Farmers State Bank of Calhan: 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.
In Q2 2026, Yield on loans edged up by 0.24 percentage points, from 6.49% to 6.73%, the largest move among the key lines here. Within Colorado, Farmers State Bank of Calhan is 55th of 63 on net interest margin, 3.17% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Farmers State Bank of Calhan sits 0.78 points lower, at 3.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | 6.73% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.17% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.3M |
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 | 4.33% | 1.22% | 2.77% | 5.89% | 2.67% |
| Q4 2023 | 4.64% | 2.36% | 2.29% | 6.10% | 2.98% |
| Q1 2024 | 4.82% | 2.20% | 2.59% | 6.23% | 3.07% |
| Q2 2024 | 4.88% | 2.23% | 2.64% | 6.33% | 3.05% |
| Q3 2024 | 4.88% | 2.23% | 2.64% | 6.35% | 3.03% |
| Q4 2024 | 4.79% | 2.17% | 2.68% | 6.39% | 3.10% |
| Q1 2025 | 4.85% | 2.07% | 2.82% | 6.52% | 3.21% |
| Q2 2025 | 4.91% | 2.09% | 2.89% | 6.59% | 3.32% |
| Q3 2025 | 5.03% | 2.02% | 3.06% | 6.84% | 3.33% |
| Q4 2025 | 4.89% | 1.90% | 3.03% | 6.62% | 3.28% |
| Q1 2026 | 4.81% | 1.78% | 3.07% | 6.49% | 3.25% |
| Q2 2026 | 4.93% | 1.81% | 3.17% | 6.73% | 3.27% |
Farmers State Bank of Calhan 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 of Calhan, 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 of Calhan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1780) · FFIEC NIC profile (RSSD 956956)