The Farmers State Bank of Oakley, Kansas: 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 standout move of Q2 2026 was in Total interest expense: 12.5% higher than in Q1 2026, at $2.5M. The Farmers State Bank of Oakley, Kansas ranks 135th of 182 Kansas banks on net interest margin, in the lower half at 3.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Farmers State Bank of Oakley, Kansas sits 0.35 points lower, at 3.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 6.65% |
| Yield on securities | 5.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 2.97% |
| Cost of interest-bearing liabilities | 3.09% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.1M |
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 | 5.90% | 2.97% | 3.28% | 6.22% | 4.84% |
| Q4 2023 | 5.96% | 3.19% | 3.14% | 6.27% | 4.87% |
| Q1 2024 | 6.03% | 3.22% | 3.16% | 6.32% | 4.97% |
| Q2 2024 | 6.23% | 3.45% | 3.23% | 6.54% | 5.06% |
| Q3 2024 | 6.14% | 3.53% | 3.06% | 6.47% | 4.96% |
| Q4 2024 | 6.11% | 3.38% | 3.14% | 6.50% | 4.92% |
| Q1 2025 | 6.01% | 3.29% | 3.08% | 6.26% | 5.10% |
| Q2 2025 | 6.93% | 3.24% | 3.65% | 7.62% | 5.13% |
| Q3 2025 | 6.15% | 3.24% | 3.28% | 6.53% | 5.06% |
| Q4 2025 | 6.42% | 3.18% | 3.60% | 6.77% | 5.17% |
| Q1 2026 | 6.08% | 2.86% | 3.56% | 6.43% | 5.22% |
| Q2 2026 | 6.27% | 2.90% | 3.60% | 6.65% | 5.16% |
The Farmers State Bank of Oakley, Kansas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank of Oakley, Kansas, 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 The Farmers State Bank of Oakley, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1867) · FFIEC NIC profile (RSSD 278256)