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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.26 percentage points to 4.76%. Within Texas, Farmers State Bank is 72nd of 345 on net interest margin, 4.76% as of Q2 2026, above the middle of the field. Farmers State Bank reported 4.76% on net interest margin for Q2 2026, 0.81 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.76% |
| Yield to cost spread | 3.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 |
|---|---|---|---|
| Q3 2023 | 5.20% | 0.66% | 4.58% |
| Q4 2023 | 5.73% | 0.89% | 4.90% |
| Q1 2024 | 5.95% | 1.01% | 5.00% |
| Q2 2024 | 6.01% | 1.17% | 4.95% |
| Q3 2024 | 6.29% | 1.27% | 5.13% |
| Q4 2024 | 6.57% | 1.33% | 5.35% |
| Q1 2025 | 6.14% | 1.36% | 4.88% |
| Q2 2025 | 6.27% | 1.42% | 4.99% |
| Q3 2025 | 6.24% | 1.40% | 4.98% |
| Q4 2025 | 6.52% | 1.26% | 5.28% |
| Q1 2026 | 6.17% | 1.18% | 5.02% |
| Q2 2026 | 5.87% | 1.22% | 4.76% |
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 13407) · FFIEC NIC profile (RSSD 875057)