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 standout move of Q2 2026 was in Cost of borrowings: 2.27 percentage points higher than in Q1 2026, at 4.17%. The Farmers State Bank ranks 109th of 182 Kansas banks on net interest margin, in the lower half at 3.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Farmers State Bank reported 3.84% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 7.26% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.10% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 4.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $671K |
| Interest expense on deposits | $626K |
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 | 4.36% | 1.38% | 3.09% | 6.30% | 2.28% |
| Q4 2023 | 4.50% | 1.47% | 3.14% | 6.59% | 2.32% |
| Q1 2024 | 4.79% | 1.75% | 3.16% | 6.75% | 2.41% |
| Q2 2024 | 4.91% | 2.12% | 2.98% | 6.98% | 2.43% |
| Q3 2024 | 4.99% | 2.29% | 2.91% | 7.11% | 2.49% |
| Q4 2024 | 4.92% | 2.30% | 2.83% | 7.11% | 2.52% |
| Q1 2025 | 5.10% | 2.00% | 3.24% | 7.06% | 2.51% |
| Q2 2025 | 5.23% | 2.02% | 3.34% | 7.33% | 2.53% |
| Q3 2025 | 5.28% | 1.92% | 3.50% | 7.46% | 2.57% |
| Q4 2025 | 5.24% | 1.82% | 3.55% | 7.48% | 2.78% |
| Q1 2026 | 5.31% | 1.65% | 3.76% | 7.24% | 2.97% |
| Q2 2026 | 5.37% | 1.68% | 3.84% | 7.26% | 3.10% |
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 13883) · FFIEC NIC profile (RSSD 801056)