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.
Farmers State Bank reported little change from Q1 2026 to Q2 2026. Net interest margin showed the biggest shift, 5.35% to 5.37%. On net interest margin, Farmers State Bank ranks 11th highest among the 121 banks headquartered in Georgia, at 5.37% (Q2 2026). Farmers State Bank reported 5.37% on net interest margin for Q2 2026, 1.42 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 8.48% |
| Yield on securities | 3.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.71% |
| Cost of interest-bearing deposits | 1.37% |
| Cost of interest-bearing liabilities | 1.37% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.37% |
| Yield to cost spread | 4.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $285K |
| Interest expense on deposits | $285K |
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 | 5.94% | 0.43% | 5.52% | 8.00% | 3.03% |
| Q4 2023 | 6.34% | 0.46% | 5.88% | 8.32% | 3.08% |
| Q1 2024 | 6.03% | 0.50% | 5.53% | 8.15% | 3.05% |
| Q2 2024 | 6.33% | 0.60% | 5.74% | 8.43% | 3.12% |
| Q3 2024 | 6.38% | 0.75% | 5.65% | 8.69% | 3.26% |
| Q4 2024 | 6.30% | 0.66% | 5.66% | 8.77% | 3.29% |
| Q1 2025 | 5.91% | 0.64% | 5.28% | 8.58% | 3.36% |
| Q2 2025 | 6.26% | 0.69% | 5.58% | 8.77% | 3.54% |
| Q3 2025 | 6.15% | 0.73% | 5.47% | 8.68% | 3.62% |
| Q4 2025 | 6.32% | 0.74% | 5.67% | 8.81% | 3.64% |
| Q1 2026 | 5.97% | 0.70% | 5.35% | 8.51% | 3.64% |
| Q2 2026 | 5.98% | 0.71% | 5.37% | 8.48% | 3.62% |
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 879) · FFIEC NIC profile (RSSD 773032)