Farmers Trust and Savings 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.
Net interest margin rose 0.29 percentage points from Q1 2026 to Q2 2026, ending at 4.61% against 4.32%. It was the largest change among the key lines on this page. Among 225 Iowa banks, Farmers Trust and Savings Bank sits 8th from the top on net interest margin, 4.61% as of Q2 2026. Farmers Trust and Savings Bank reported 4.61% on net interest margin for Q2 2026, 0.66 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.05% |
| Yield on loans | 6.53% |
| Yield on securities | 3.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $654K |
| Interest expense on deposits | $645K |
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 | 5.63% | 1.48% | 4.43% | 6.23% | 3.93% |
| Q4 2023 | 5.79% | 1.61% | 4.50% | 6.35% | 4.13% |
| Q1 2024 | 5.96% | 1.66% | 4.60% | 6.51% | 4.27% |
| Q2 2024 | 5.99% | 1.90% | 4.43% | 6.57% | 4.02% |
| Q3 2024 | 6.02% | 2.09% | 4.35% | 6.59% | 4.14% |
| Q4 2024 | 6.11% | 2.04% | 4.45% | 6.73% | 4.25% |
| Q1 2025 | 5.90% | 1.91% | 4.33% | 6.49% | 4.00% |
| Q2 2025 | 5.99% | 1.86% | 4.45% | 6.59% | 3.88% |
| Q3 2025 | 6.08% | 1.93% | 4.51% | 6.72% | 3.73% |
| Q4 2025 | 6.11% | 1.97% | 4.49% | 6.74% | 3.90% |
| Q1 2026 | 5.68% | 1.76% | 4.32% | 6.54% | 3.84% |
| Q2 2026 | 6.05% | 1.77% | 4.61% | 6.53% | 3.85% |
Farmers Trust and Savings 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 Farmers Trust and Savings 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 Farmers Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14392) · FFIEC NIC profile (RSSD 382443)