Farmers State Bank of Hoffman: 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: Cost of borrowings edged up 0.21 percentage points between Q1 2026 and Q2 2026, to 2.99%. Farmers State Bank of Hoffman ranks 240th of 323 Illinois banks on net interest margin, in the lower half at 3.28% (Q2 2026). Farmers State Bank of Hoffman reported 3.28% on net interest margin for Q2 2026, 0.67 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 6.17% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.63% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | 2.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.28% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $781K |
| Interest expense on deposits | $508K |
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 | 3.51% | 1.91% | 1.79% | 5.01% | 2.59% |
| Q4 2023 | 3.73% | 2.16% | 1.75% | 5.14% | 2.90% |
| Q1 2024 | 3.83% | 2.01% | 1.99% | 5.27% | 2.93% |
| Q2 2024 | 3.83% | 1.99% | 2.02% | 5.46% | 2.48% |
| Q3 2024 | 3.98% | 1.96% | 2.19% | 5.60% | 2.32% |
| Q4 2024 | 4.00% | 1.75% | 2.40% | 5.77% | 2.26% |
| Q1 2025 | 4.08% | 1.56% | 2.64% | 5.78% | 2.49% |
| Q2 2025 | 4.19% | 1.53% | 2.79% | 5.95% | 2.53% |
| Q3 2025 | 4.40% | 1.70% | 2.85% | 6.11% | 2.69% |
| Q4 2025 | 4.69% | 1.62% | 3.21% | 6.26% | 2.98% |
| Q1 2026 | 4.55% | 1.46% | 3.21% | 6.11% | 2.93% |
| Q2 2026 | 4.67% | 1.55% | 3.28% | 6.17% | 3.11% |
Farmers State Bank of Hoffman 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 Hoffman, 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 Hoffman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9259) · FFIEC NIC profile (RSSD 837541)