Farmers State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Yield on securities rose 0.26 percentage points from Q1 2026 to Q2 2026, ending at 3.44% against 3.18%. It was the largest change among the key lines on this page. Farmers State Bank ranks 18th of 29 Washington banks on net interest margin, in the lower half at 3.43% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Farmers State Bank sits 0.46 points lower, at 3.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.82% |
| Yield on loans | 7.00% |
| Yield on securities | 3.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.42% |
| Cost of interest-bearing deposits | 0.99% |
| Cost of interest-bearing liabilities | 0.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $62K |
| Total interest expense | $45K |
| Interest expense on deposits | $45K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 1.85% | 0.31% | 1.57% | 7.35% | 1.11% |
| Q4 2023 | 2.12% | 0.49% | 1.67% | 7.42% | 1.15% |
| Q1 2024 | 2.46% | 0.53% | 1.98% | 6.72% | 1.25% |
| Q2 2024 | 2.88% | 0.54% | 2.39% | 8.18% | 1.20% |
| Q3 2024 | 3.30% | 0.40% | 2.92% | 7.41% | 1.39% |
| Q4 2024 | 3.60% | 0.42% | 3.21% | 7.31% | 1.59% |
| Q1 2025 | 3.29% | 0.37% | 2.94% | 7.20% | 1.51% |
| Q2 2025 | 3.43% | 0.36% | 3.09% | 7.33% | 1.98% |
| Q3 2025 | 3.51% | 0.39% | 3.17% | 7.26% | 1.63% |
| Q4 2025 | 3.55% | 0.44% | 3.15% | 7.31% | 2.28% |
| Q1 2026 | 3.80% | 0.44% | 3.38% | 7.14% | 3.18% |
| Q2 2026 | 3.82% | 0.42% | 3.43% | 7.00% | 3.44% |
Farmers State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6156) · FFIEC NIC profile (RSSD 694771)