Farmers State Bank of Medora: 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 0.21 percentage points from Q1 2026 to Q2 2026, ending at 3.01% against 2.80%. It was the largest change among the key lines on this page. Within Illinois, Farmers State Bank of Medora is 282nd of 323 on net interest margin, 3.01% as of Q2 2026, below the middle of the field. Farmers State Bank of Medora reported 3.01% on net interest margin for Q2 2026, 0.88 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.88% |
| Yield on loans | 6.30% |
| Yield on securities | 2.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.22% |
| Cost of interest-bearing liabilities | 1.31% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.01% |
| Yield to cost spread | 2.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $119K |
| Total interest expense | $43K |
| Interest expense on deposits | $40K |
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 | 3.40% | 0.25% | 3.17% | 5.64% | 2.23% |
| Q4 2023 | 3.38% | 0.27% | 3.12% | 5.80% | 2.14% |
| Q1 2024 | 3.20% | 0.33% | 2.88% | 5.61% | 1.93% |
| Q2 2024 | 3.23% | 0.40% | 2.85% | 5.71% | 1.89% |
| Q3 2024 | 3.26% | 0.55% | 2.74% | 5.98% | 1.87% |
| Q4 2024 | 3.35% | 0.61% | 2.77% | 5.89% | 1.85% |
| Q1 2025 | 3.35% | 0.67% | 2.71% | 5.80% | 1.87% |
| Q2 2025 | 3.40% | 0.81% | 2.68% | 5.81% | 1.74% |
| Q3 2025 | 3.56% | 0.73% | 2.87% | 5.92% | 1.76% |
| Q4 2025 | 3.57% | 0.81% | 2.77% | 5.98% | 1.90% |
| Q1 2026 | 3.59% | 0.83% | 2.80% | 6.03% | 1.89% |
| Q2 2026 | 3.88% | 0.91% | 3.01% | 6.30% | 2.18% |
Farmers State Bank of Medora 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 Medora, 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 Medora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13902) · FFIEC NIC profile (RSSD 295646)