Farmers State Bank & Trust Company: 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 largest change between Q2 2026 and Q3 2026 was in Yield on loans, which fell 0.35 percentage points to 7.26%. Farmers State Bank & Trust Company ranks 46th of 103 Louisiana banks on net interest margin, in the upper half at 4.32% (Q3 2026). Farmers State Bank & Trust Company reported 4.32% on net interest margin for Q3 2026, 0.37 points above the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 7.26% |
| Yield on securities | 3.86% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $500K |
| Interest expense on deposits | $500K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.32% | 1.18% | 4.21% | 6.78% | 2.91% |
| Q1 2024 | 5.46% | 1.30% | 4.22% | 7.06% | 3.04% |
| Q2 2024 | 5.57% | 1.36% | 4.29% | 7.11% | 3.05% |
| Q3 2024 | 5.67% | 1.42% | 4.34% | 7.33% | 3.16% |
| Q4 2024 | 5.56% | 1.48% | 4.18% | 7.26% | 3.50% |
| Q1 2025 | 5.53% | 1.37% | 4.21% | 7.31% | 3.61% |
| Q2 2025 | 5.68% | 1.31% | 4.41% | 7.54% | 3.79% |
| Q3 2025 | 5.74% | 1.36% | 4.44% | 7.61% | 3.88% |
| Q4 2025 | 5.74% | 1.42% | 4.40% | 7.69% | 3.96% |
| Q1 2026 | 5.42% | 1.32% | 4.19% | 7.32% | 3.78% |
| Q2 2026 | 5.56% | 1.25% | 4.37% | 7.61% | 3.75% |
| Q3 2026 | 5.54% | 1.27% | 4.32% | 7.26% | 3.86% |
Farmers State Bank & Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16114) · FFIEC NIC profile (RSSD 567736)