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.
In Q2 2026, Net interest margin edged up by 0.05 percentage points, from 5.18% to 5.23%, the largest move among the key lines here. The Farmers State Bank ranks 21st of 169 Oklahoma banks on net interest margin, in the upper half at 5.23% (Q2 2026). The Farmers State Bank reported 5.23% on net interest margin for Q2 2026, 1.28 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.67% |
| Yield on loans | 8.66% |
| Yield on securities | 2.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.23% |
| Yield to cost spread | 4.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $683K |
| Interest expense on deposits | $683K |
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 | 5.62% | 1.28% | 4.35% | 7.85% | 2.08% |
| Q4 2023 | 5.89% | 1.50% | 4.40% | 8.16% | 2.19% |
| Q1 2024 | 6.05% | 1.59% | 4.47% | 8.27% | 2.22% |
| Q2 2024 | 6.12% | 1.77% | 4.36% | 8.33% | 2.23% |
| Q3 2024 | 6.46% | 1.91% | 4.57% | 8.83% | 2.25% |
| Q4 2024 | 6.37% | 1.88% | 4.52% | 8.65% | 2.16% |
| Q1 2025 | 6.43% | 1.66% | 4.80% | 8.60% | 2.20% |
| Q2 2025 | 6.50% | 1.67% | 4.85% | 8.69% | 2.30% |
| Q3 2025 | 6.57% | 1.70% | 4.90% | 8.80% | 2.30% |
| Q4 2025 | 6.71% | 1.62% | 5.13% | 8.86% | 2.29% |
| Q1 2026 | 6.66% | 1.51% | 5.18% | 8.64% | 2.14% |
| Q2 2026 | 6.67% | 1.47% | 5.23% | 8.66% | 2.18% |
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 404) · FFIEC NIC profile (RSSD 647759)