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.
Total interest expense climbed 8.4% in Q2 2026, from $1.2M to $1.3M. It was the largest change from Q1 2026 among the key lines here. On net interest margin, The Farmers State Bank is 19th from the bottom among 182 Kansas banks, 3.24% (Q2 2026). The Farmers State Bank reported 3.24% on net interest margin for Q2 2026, 0.71 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.18% |
| Yield on loans | 6.67% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.24% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 4.25% | 2.35% | 2.18% | 5.32% | 2.52% |
| Q4 2023 | 4.60% | 2.51% | 2.37% | 5.66% | 2.50% |
| Q1 2024 | 4.82% | 2.71% | 2.42% | 5.91% | 2.56% |
| Q2 2024 | 4.87% | 2.44% | 2.76% | 6.06% | 2.45% |
| Q3 2024 | 5.04% | 2.30% | 3.01% | 6.23% | 2.45% |
| Q4 2024 | 5.01% | 2.13% | 3.12% | 6.21% | 2.49% |
| Q1 2025 | 4.71% | 2.11% | 2.85% | 5.81% | 2.58% |
| Q2 2025 | 5.22% | 2.14% | 3.33% | 6.67% | 2.67% |
| Q3 2025 | 5.20% | 2.17% | 3.29% | 6.72% | 2.78% |
| Q4 2025 | 5.37% | 2.13% | 3.52% | 6.80% | 2.93% |
| Q1 2026 | 5.12% | 2.13% | 3.24% | 6.59% | 3.01% |
| Q2 2026 | 5.18% | 2.20% | 3.24% | 6.67% | 3.21% |
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 15164) · FFIEC NIC profile (RSSD 615851)