The Farmers State Bank of Brush: 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 standout move of Q2 2026 was in Cost of borrowings: 2.53 percentage points higher than in Q1 2026, at 4.64%. The Farmers State Bank of Brush ranks 37th of 63 Colorado banks on net interest margin, in the lower half at 3.90% (Q2 2026). At 3.90%, The Farmers State Bank of Brush'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 | 5.11% |
| Yield on loans | 6.90% |
| Yield on securities | 2.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | 4.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.90% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $344K |
| Interest expense on deposits | $316K |
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 | 4.17% | 1.08% | 3.28% | 6.12% | 1.60% |
| Q4 2023 | 4.25% | 1.59% | 2.95% | 6.23% | 1.62% |
| Q1 2024 | 4.28% | 1.71% | 2.87% | 6.33% | 1.62% |
| Q2 2024 | 4.42% | 1.86% | 2.90% | 6.54% | 1.63% |
| Q3 2024 | 4.54% | 2.04% | 2.87% | 6.69% | 1.63% |
| Q4 2024 | 4.58% | 2.17% | 2.80% | 6.71% | 1.63% |
| Q1 2025 | 4.52% | 1.89% | 2.97% | 6.55% | 1.62% |
| Q2 2025 | 4.68% | 1.79% | 3.23% | 6.73% | 1.58% |
| Q3 2025 | 4.88% | 1.81% | 3.39% | 7.00% | 1.62% |
| Q4 2025 | 4.92% | 1.87% | 3.39% | 6.89% | 1.83% |
| Q1 2026 | 4.91% | 1.55% | 3.65% | 6.76% | 2.08% |
| Q2 2026 | 5.11% | 1.49% | 3.90% | 6.90% | 2.09% |
The Farmers State Bank of Brush 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 of Brush, 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 of Brush profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10407) · FFIEC NIC profile (RSSD 621151)