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.
Compared with Q1 2026, Net interest margin rose 0.29 percentage points in Q2 2026 to 4.06%, the biggest move on this page. The Farmers State Bank ranks 78th of 182 Kansas banks on net interest margin, in the upper half at 4.06% (Q2 2026). The Farmers State Bank reported 4.06% on net interest margin for Q2 2026, 0.17 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 7.35% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $927K |
| Total interest expense | $338K |
| Interest expense on deposits | $336K |
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 | 4.97% | 2.17% | 3.09% | 6.56% | 1.84% |
| Q4 2023 | 5.19% | 2.61% | 2.99% | 6.81% | 1.79% |
| Q1 2024 | 5.08% | 2.12% | 2.94% | 6.53% | 1.84% |
| Q2 2024 | 5.42% | 2.54% | 3.24% | 6.94% | 1.99% |
| Q3 2024 | 5.50% | 2.53% | 3.39% | 6.99% | 2.09% |
| Q4 2024 | 5.46% | 2.43% | 3.45% | 6.93% | 1.92% |
| Q1 2025 | 5.36% | 2.23% | 3.48% | 6.75% | 2.07% |
| Q2 2025 | 5.50% | 2.28% | 3.55% | 6.94% | 2.26% |
| Q3 2025 | 5.78% | 2.24% | 3.90% | 7.35% | 2.24% |
| Q4 2025 | 5.85% | 2.16% | 4.06% | 7.41% | 2.41% |
| Q1 2026 | 5.47% | 1.99% | 3.77% | 7.09% | 2.63% |
| Q2 2026 | 5.68% | 1.87% | 4.06% | 7.35% | 2.85% |
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 15258) · FFIEC NIC profile (RSSD 863652)