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 0.13 percentage points from Q1 2026 to Q2 2026, ending at 2.94% against 2.81%. It was the largest change among the key lines on this page. Within Iowa, Farmers Trust and Savings Bank is 201st of 225 on net interest margin, 2.94% as of Q2 2026, below the middle of the field. Farmers Trust and Savings Bank reported 2.94% on net interest margin for Q2 2026, 1.01 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 5.81% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.69% |
| Cost of interest-bearing deposits | 2.82% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.94% |
| Yield to cost spread | 2.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.8M |
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 | 4.94% | 2.80% | 2.39% | 5.36% | 2.62% |
| Q4 2023 | 5.03% | 3.31% | 2.01% | 5.42% | 2.64% |
| Q1 2024 | 5.11% | 3.46% | 1.96% | 5.53% | 2.63% |
| Q2 2024 | 5.29% | 3.52% | 2.08% | 5.70% | 2.65% |
| Q3 2024 | 5.34% | 3.58% | 2.06% | 5.78% | 2.67% |
| Q4 2024 | 5.39% | 3.33% | 2.31% | 5.80% | 2.82% |
| Q1 2025 | 5.24% | 3.15% | 2.37% | 5.68% | 2.94% |
| Q2 2025 | 5.44% | 3.06% | 2.67% | 5.86% | 3.08% |
| Q3 2025 | 5.42% | 2.84% | 2.59% | 5.79% | 3.23% |
| Q4 2025 | 5.37% | 2.90% | 2.74% | 5.82% | 3.36% |
| Q1 2026 | 5.23% | 2.66% | 2.81% | 5.70% | 3.47% |
| Q2 2026 | 5.38% | 2.69% | 2.94% | 5.81% | 3.52% |
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 12858) · FFIEC NIC profile (RSSD 543945)