The Fidelity State Bank and 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.
Compared with Q1 2026, Net interest margin rose 0.37 percentage points in Q2 2026 to 3.82%, the biggest move on this page. The Fidelity State Bank and Trust Company ranks 111th of 182 Kansas banks on net interest margin, in the lower half at 3.82% (Q2 2026). The Fidelity State Bank and Trust Company reported 3.82% on net interest margin for Q2 2026, 0.13 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.51% |
| Yield on loans | 7.10% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.88% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $363K |
| Total interest expense | $329K |
| Interest expense on deposits | $329K |
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 | 3.60% | 0.78% | 2.97% | 7.19% | 2.28% |
| Q4 2023 | 3.57% | 0.85% | 2.89% | 7.30% | 2.28% |
| Q1 2024 | 3.87% | 0.83% | 3.21% | 7.53% | 2.40% |
| Q2 2024 | 3.82% | 0.80% | 3.17% | 7.43% | 2.55% |
| Q3 2024 | 3.92% | 0.83% | 3.25% | 7.38% | 2.69% |
| Q4 2024 | 3.86% | 0.85% | 3.21% | 7.56% | 2.83% |
| Q1 2025 | 4.04% | 0.80% | 3.41% | 7.40% | 3.11% |
| Q2 2025 | 4.52% | 0.79% | 3.89% | 10.81% | 3.35% |
| Q3 2025 | 4.24% | 0.81% | 3.61% | 7.40% | 3.46% |
| Q4 2025 | 4.21% | 0.89% | 3.50% | 7.39% | 3.55% |
| Q1 2026 | 4.15% | 0.91% | 3.45% | 7.10% | 3.56% |
| Q2 2026 | 4.51% | 0.88% | 3.82% | 7.10% | 3.64% |
The Fidelity State Bank and 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 The Fidelity State Bank and 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 The Fidelity State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10920) · FFIEC NIC profile (RSSD 638850)