Farmers State Bank of Emden: 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, Net interest margin edged down by 0.10 percentage points, from 3.60% to 3.50%, the largest move among the key lines here. Farmers State Bank of Emden ranks 200th of 323 Illinois banks on net interest margin, in the lower half at 3.50% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Farmers State Bank of Emden sits 0.39 points lower, at 3.50% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.11% |
| Yield on loans | 6.78% |
| Yield on securities | 2.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.84% |
| Cost of interest-bearing deposits | 1.04% |
| Cost of interest-bearing liabilities | 1.04% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $216K |
| Total interest expense | $56K |
| Interest expense on deposits | $56K |
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 | 3.50% | 0.37% | 3.12% | 5.54% | 1.94% |
| Q4 2023 | 3.72% | 0.60% | 3.26% | 5.99% | 2.22% |
| Q1 2024 | 3.77% | 0.68% | 3.27% | 6.21% | 2.17% |
| Q2 2024 | 3.72% | 0.72% | 3.18% | 6.39% | 2.09% |
| Q3 2024 | 3.72% | 0.78% | 3.17% | 6.89% | 1.98% |
| Q4 2024 | 3.97% | 0.77% | 3.39% | 6.77% | 2.38% |
| Q1 2025 | 4.02% | 0.75% | 3.49% | 6.71% | 2.37% |
| Q2 2025 | 4.06% | 0.81% | 3.48% | 6.89% | 2.44% |
| Q3 2025 | 4.04% | 0.85% | 3.46% | 6.96% | 2.43% |
| Q4 2025 | 4.14% | 0.86% | 3.54% | 7.02% | 2.59% |
| Q1 2026 | 4.16% | 0.79% | 3.60% | 6.88% | 2.57% |
| Q2 2026 | 4.11% | 0.84% | 3.50% | 6.78% | 2.55% |
Farmers State Bank of Emden 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 Emden, 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 Emden profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10077) · FFIEC NIC profile (RSSD 860231)