The Farmers State Bank: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.31 percentage points to 4.24%. The Farmers State Bank ranks 38th of 156 Ohio banks on net interest margin, in the upper half at 4.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Farmers State Bank sits 0.29 points higher, at 4.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 6.60% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 4.91% | 1.22% | 3.78% | 5.76% | 2.17% |
| Q4 2023 | 5.10% | 1.32% | 3.86% | 5.93% | 2.22% |
| Q1 2024 | 5.15% | 1.57% | 3.68% | 5.98% | 2.23% |
| Q2 2024 | 5.26% | 1.76% | 3.63% | 6.10% | 2.21% |
| Q3 2024 | 5.37% | 1.86% | 3.67% | 6.25% | 2.34% |
| Q4 2024 | 5.34% | 1.84% | 3.64% | 6.26% | 2.05% |
| Q1 2025 | 5.34% | 1.78% | 3.69% | 6.15% | 2.40% |
| Q2 2025 | 5.49% | 1.76% | 3.87% | 6.28% | 2.55% |
| Q3 2025 | 4.53% | 1.45% | 3.20% | 5.09% | 2.56% |
| Q4 2025 | 5.70% | 1.64% | 4.15% | 6.39% | 2.89% |
| Q1 2026 | 5.59% | 1.76% | 3.93% | 6.34% | 3.11% |
| Q2 2026 | 5.84% | 1.71% | 4.24% | 6.60% | 3.14% |
The Farmers State Bank 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, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14991) · FFIEC NIC profile (RSSD 370721)