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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 3.59% to 3.69%, the largest move among the key lines here. Farmers State Bank ranks 107th of 225 Iowa banks on net interest margin, in the upper half at 3.69% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Farmers State Bank sits 0.20 points lower, at 3.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 6.58% |
| Yield on securities | 4.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.57% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $206K |
| Total interest expense | $103K |
| Interest expense on deposits | $103K |
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 | 3.52% | 1.02% | 2.62% | 5.50% | 2.18% |
| Q4 2023 | 3.87% | 1.10% | 2.87% | 5.61% | 2.54% |
| Q1 2024 | 3.99% | 1.17% | 2.97% | 5.69% | 2.72% |
| Q2 2024 | 4.26% | 1.26% | 3.15% | 5.76% | 3.06% |
| Q3 2024 | 4.41% | 1.35% | 3.22% | 5.95% | 3.30% |
| Q4 2024 | 4.55% | 1.47% | 3.26% | 6.06% | 3.38% |
| Q1 2025 | 4.53% | 1.51% | 3.20% | 6.03% | 3.55% |
| Q2 2025 | 4.69% | 1.49% | 3.35% | 6.25% | 3.63% |
| Q3 2025 | 4.88% | 1.60% | 3.49% | 6.40% | 3.86% |
| Q4 2025 | 4.87% | 1.53% | 3.55% | 6.48% | 3.89% |
| Q1 2026 | 4.73% | 1.29% | 3.59% | 6.41% | 3.99% |
| Q2 2026 | 4.77% | 1.24% | 3.69% | 6.58% | 4.08% |
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 9295) · FFIEC NIC profile (RSSD 749840)