Fidelity Bank, N.A.: 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 0.22 percentage points from Q1 2026 to Q2 2026, ending at 4.10% against 3.88%. It was the largest change among the key lines on this page. Fidelity Bank, N.A. ranks 72nd of 182 Kansas banks on net interest margin, in the upper half at 4.10% (Q2 2026). Fidelity Bank, N.A. reported 4.10% on net interest margin for Q2 2026, 0.39 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 6.64% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $43.5M |
| Total interest expense | $16.3M |
| Interest expense on deposits | $13.4M |
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 | 6.14% | 3.02% | 3.20% | 6.62% | 2.81% |
| Q4 2023 | 6.24% | 3.29% | 3.05% | 6.71% | 2.82% |
| Q1 2024 | 6.16% | 3.00% | 2.93% | 6.67% | 2.82% |
| Q2 2024 | 6.38% | 2.95% | 3.20% | 6.80% | 2.91% |
| Q3 2024 | 6.37% | 2.88% | 3.27% | 6.79% | 3.39% |
| Q4 2024 | 6.30% | 2.75% | 3.44% | 6.69% | 3.54% |
| Q1 2025 | 6.15% | 2.49% | 3.55% | 6.55% | 3.33% |
| Q2 2025 | 6.37% | 2.44% | 3.73% | 6.72% | 3.58% |
| Q3 2025 | 6.36% | 2.44% | 3.75% | 6.71% | 3.76% |
| Q4 2025 | 6.32% | 2.30% | 3.88% | 6.65% | 3.81% |
| Q1 2026 | 6.09% | 2.03% | 3.88% | 6.45% | 3.44% |
| Q2 2026 | 6.27% | 1.95% | 4.10% | 6.64% | 3.27% |
Fidelity Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank, N.A., 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 Fidelity Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30895) · FFIEC NIC profile (RSSD 762474)