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 loans dropped 0.89 percentage points in Q2 2026, from 7.52% to 6.63%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Farmers State Bank is 260th of 323 on net interest margin, 3.19% as of Q2 2026, below the middle of the field. Farmers State Bank reported 3.19% on net interest margin for Q2 2026, 0.70 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.70% |
| Yield on loans | 6.63% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 1.49% |
| Cost of interest-bearing liabilities | 1.74% |
| Cost of borrowings | 17.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $564K |
| Total interest expense | $262K |
| Interest expense on deposits | $204K |
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 | 4.22% | 1.56% | 2.77% | 6.01% | 1.85% |
| Q4 2023 | 4.56% | 1.87% | 2.90% | 6.42% | 1.88% |
| Q1 2024 | 4.41% | 2.20% | 2.56% | 6.22% | 1.94% |
| Q2 2024 | 4.39% | 2.38% | 2.33% | 5.97% | 1.87% |
| Q3 2024 | 4.41% | 2.48% | 2.20% | 6.10% | 1.62% |
| Q4 2024 | 4.60% | 2.12% | 2.57% | 6.31% | 1.84% |
| Q1 2025 | 4.56% | 2.15% | 2.54% | 6.33% | 1.93% |
| Q2 2025 | 4.79% | 1.91% | 3.01% | 6.64% | 1.99% |
| Q3 2025 | 4.74% | 1.88% | 3.02% | 6.62% | 2.18% |
| Q4 2025 | 4.51% | 1.81% | 2.88% | 6.45% | 1.89% |
| Q1 2026 | 5.04% | 1.68% | 3.43% | 7.52% | 2.44% |
| Q2 2026 | 4.70% | 1.70% | 3.19% | 6.63% | 2.59% |
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 12107) · FFIEC NIC profile (RSSD 921936)