The Farmers State Bank and Trust Company: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 3.86%. Within Illinois, The Farmers State Bank and Trust Company is 135th of 323 on net interest margin, 3.86% as of Q2 2026, above the middle of the field. At 3.86%, The Farmers State Bank and Trust Company's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.34% |
| Yield on loans | 6.26% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.52% |
| Cost of interest-bearing deposits | 0.90% |
| Cost of interest-bearing liabilities | 0.90% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $236K |
| Interest expense on deposits | $236K |
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 | 3.80% | 1.08% | 2.78% | 5.67% | 1.69% |
| Q4 2023 | 4.08% | 1.08% | 3.06% | 5.80% | 2.12% |
| Q1 2024 | 4.01% | 1.08% | 2.99% | 5.90% | 1.78% |
| Q2 2024 | 4.15% | 1.08% | 3.14% | 6.02% | 1.85% |
| Q3 2024 | 4.15% | 1.13% | 3.09% | 6.09% | 1.84% |
| Q4 2024 | 4.17% | 0.98% | 3.26% | 6.09% | 1.88% |
| Q1 2025 | 4.15% | 0.88% | 3.33% | 6.07% | 1.98% |
| Q2 2025 | 4.20% | 0.84% | 3.43% | 6.13% | 2.09% |
| Q3 2025 | 4.28% | 0.70% | 3.63% | 6.29% | 2.14% |
| Q4 2025 | 4.33% | 0.55% | 3.82% | 6.40% | 2.12% |
| Q1 2026 | 4.23% | 0.50% | 3.75% | 6.17% | 2.21% |
| Q2 2026 | 4.34% | 0.52% | 3.86% | 6.26% | 2.39% |
The Farmers State Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank and Trust Company, 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 The Farmers State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11747) · FFIEC NIC profile (RSSD 481944)