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.
Cost of borrowings climbed 2.49 percentage points in Q2 2026, from 3.31% to 5.80%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers State Bank is 149th of 225 on net interest margin, 3.41% 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 sits 0.48 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 6.73% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 5.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $739K |
| Total interest expense | $303K |
| Interest expense on deposits | $301K |
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 | 3.74% | 1.79% | 2.14% | 5.80% | 1.52% |
| Q4 2023 | 3.97% | 1.89% | 2.25% | 6.09% | 1.53% |
| Q1 2024 | 4.19% | 1.78% | 2.60% | 6.35% | 1.54% |
| Q2 2024 | 4.38% | 2.04% | 2.57% | 6.55% | 1.51% |
| Q3 2024 | 4.67% | 2.21% | 2.73% | 6.85% | 1.46% |
| Q4 2024 | 4.69% | 2.29% | 2.67% | 6.73% | 1.50% |
| Q1 2025 | 4.67% | 2.00% | 2.89% | 6.73% | 1.75% |
| Q2 2025 | 4.72% | 2.03% | 2.92% | 6.69% | 2.02% |
| Q3 2025 | 4.87% | 1.85% | 3.22% | 6.92% | 1.99% |
| Q4 2025 | 4.98% | 1.80% | 3.38% | 7.07% | 2.40% |
| Q1 2026 | 4.95% | 1.73% | 3.41% | 6.86% | 2.45% |
| Q2 2026 | 4.97% | 1.77% | 3.41% | 6.73% | 2.61% |
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 8503) · FFIEC NIC profile (RSSD 944748)