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.
Net interest margin rose 0.15 percentage points from Q1 2026 to Q2 2026, ending at 3.85% against 3.70%. It was the largest change among the key lines on this page. Within Kansas, Farmers State Bank is 108th of 182 on net interest margin, 3.85% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Farmers State Bank reported 3.85% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 6.92% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.15% |
| Cost of interest-bearing deposits | 1.50% |
| Cost of interest-bearing liabilities | 1.50% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $803K |
| Total interest expense | $214K |
| Interest expense on deposits | $214K |
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 | 4.06% | 0.74% | 3.45% | 6.21% | 2.13% |
| Q4 2023 | 4.27% | 0.86% | 3.56% | 6.46% | 2.17% |
| Q1 2024 | 4.35% | 0.98% | 3.52% | 6.55% | 2.20% |
| Q2 2024 | 4.48% | 1.09% | 3.57% | 6.72% | 2.17% |
| Q3 2024 | 4.57% | 1.20% | 3.59% | 6.89% | 2.16% |
| Q4 2024 | 4.64% | 1.23% | 3.64% | 6.97% | 2.17% |
| Q1 2025 | 4.63% | 1.18% | 3.64% | 6.88% | 2.21% |
| Q2 2025 | 4.71% | 1.24% | 3.66% | 6.95% | 2.16% |
| Q3 2025 | 4.80% | 1.27% | 3.74% | 7.06% | 2.18% |
| Q4 2025 | 4.79% | 1.26% | 3.75% | 7.00% | 2.21% |
| Q1 2026 | 4.69% | 1.14% | 3.70% | 6.85% | 2.30% |
| Q2 2026 | 4.82% | 1.15% | 3.85% | 6.92% | 2.38% |
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 16941) · FFIEC NIC profile (RSSD 72351)