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.
Net interest margin rose 0.15 percentage points from Q1 2026 to Q2 2026, ending at 3.53% against 3.38%. It was the largest change among the key lines on this page. Within Minnesota, Farmers State Bank of Hoffman is 172nd of 221 on net interest margin, 3.53% as of Q2 2026, below the middle of the field. Farmers State Bank of Hoffman reported 3.53% on net interest margin for Q2 2026, 0.36 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.52% |
| Yield on loans | 6.92% |
| Yield on securities | 2.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.13% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.59% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $258K |
| Total interest expense | $95K |
| Interest expense on deposits | $95K |
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% | 0.93% | 2.95% | 5.55% | 2.10% |
| Q4 2023 | 3.92% | 1.21% | 2.82% | 5.72% | 2.08% |
| Q1 2024 | 4.06% | 1.24% | 2.95% | 5.81% | 2.10% |
| Q2 2024 | 4.21% | 1.27% | 3.07% | 5.94% | 2.09% |
| Q3 2024 | 4.40% | 1.31% | 3.23% | 6.34% | 2.12% |
| Q4 2024 | 4.35% | 1.24% | 3.23% | 6.25% | 2.09% |
| Q1 2025 | 4.37% | 1.28% | 3.25% | 6.33% | 2.14% |
| Q2 2025 | 4.44% | 1.30% | 3.27% | 6.55% | 2.21% |
| Q3 2025 | 4.53% | 1.33% | 3.35% | 6.61% | 2.11% |
| Q4 2025 | 4.58% | 1.32% | 3.40% | 6.83% | 2.15% |
| Q1 2026 | 4.44% | 1.20% | 3.38% | 6.66% | 2.20% |
| Q2 2026 | 4.52% | 1.13% | 3.53% | 6.92% | 2.28% |
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 9354) · FFIEC NIC profile (RSSD 981453)