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 securities climbed 1.32 percentage points in Q2 2026, from 2.55% to 3.87%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Farmers State Bank is 18th from the bottom among 182 Kansas banks, 3.20% (Q2 2026). Farmers State Bank reported 3.20% on net interest margin for Q2 2026, 0.69 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.54% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $105K |
| Total interest expense | $66K |
| Interest expense on deposits | $66K |
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 | 4.04% | 1.05% | 3.03% |
| Q4 2023 | 5.39% | 1.16% | 4.27% |
| Q1 2024 | 4.41% | 1.29% | 3.24% |
| Q2 2024 | 4.54% | 1.33% | 3.37% |
| Q3 2024 | 4.78% | 1.51% | 3.46% |
| Q4 2024 | 5.01% | 1.56% | 3.66% |
| Q1 2025 | 4.88% | 1.46% | 3.56% |
| Q2 2025 | 4.71% | 1.41% | 3.44% |
| Q3 2025 | 4.57% | 1.43% | 3.29% |
| Q4 2025 | 4.65% | 1.43% | 3.35% |
| Q1 2026 | 4.43% | 1.41% | 3.12% |
| Q2 2026 | 4.54% | 1.51% | 3.20% |
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 17632) · FFIEC NIC profile (RSSD 976954)