Farmers State Bank & Trust Co.: 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 0.11 percentage points, from 3.96% to 4.07%, the largest move among the key lines here. Within Illinois, Farmers State Bank & Trust Co. is 92nd of 323 on net interest margin, 4.07% as of Q2 2026, above the middle of the field. Farmers State Bank & Trust Co. reported 4.07% on net interest margin for Q2 2026, 0.12 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 6.36% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $475K |
| Interest expense on deposits | $475K |
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 | 4.82% | 1.61% | 3.28% | 5.54% | 2.42% |
| Q4 2023 | 4.92% | 1.81% | 3.20% | 5.64% | 2.39% |
| Q1 2024 | 5.00% | 1.92% | 3.17% | 5.73% | 2.31% |
| Q2 2024 | 5.22% | 2.03% | 3.29% | 5.94% | 2.50% |
| Q3 2024 | 5.32% | 2.08% | 3.35% | 6.05% | 2.83% |
| Q4 2024 | 5.36% | 1.95% | 3.47% | 6.19% | 2.90% |
| Q1 2025 | 5.45% | 1.97% | 3.64% | 6.22% | 3.13% |
| Q2 2025 | 5.53% | 1.88% | 3.74% | 6.29% | 3.33% |
| Q3 2025 | 5.59% | 1.86% | 3.81% | 6.39% | 3.50% |
| Q4 2025 | 5.62% | 1.80% | 3.90% | 6.44% | 3.50% |
| Q1 2026 | 5.46% | 1.58% | 3.96% | 6.29% | 3.66% |
| Q2 2026 | 5.58% | 1.60% | 4.07% | 6.36% | 3.78% |
Farmers State Bank & Trust Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank & Trust Co., 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 Farmers State Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10458) · FFIEC NIC profile (RSSD 510947)