First Federal Savings and Loan 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.33 percentage points to 4.93%. Among 182 Kansas banks, First Federal Savings and Loan Bank sits 11th from the top on net interest margin, 4.93% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Federal Savings and Loan Bank sits 0.98 points higher, at 4.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.17% |
| Yield on loans | 9.44% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.64% |
| Cost of interest-bearing deposits | 3.70% |
| Cost of interest-bearing liabilities | 3.73% |
| Cost of borrowings | 4.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.93% |
| Yield to cost spread | 4.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $877K |
| Interest expense on deposits | $835K |
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 |
|---|---|---|---|---|
| Q3 2023 | 7.93% | 3.30% | 5.06% | 8.28% |
| Q4 2023 | 7.99% | 3.54% | 4.90% | 8.22% |
| Q1 2024 | 8.19% | 3.55% | 4.87% | 8.26% |
| Q2 2024 | 8.24% | 3.53% | 5.03% | 8.68% |
| Q3 2024 | 8.20% | 3.54% | 4.92% | 8.62% |
| Q4 2024 | 8.16% | 3.69% | 4.77% | 8.69% |
| Q1 2025 | 8.32% | 3.86% | 4.74% | 9.06% |
| Q2 2025 | 7.87% | 3.75% | 4.44% | 8.84% |
| Q3 2025 | 7.93% | 3.77% | 4.50% | 8.83% |
| Q4 2025 | 8.00% | 3.82% | 4.56% | 8.82% |
| Q1 2026 | 7.92% | 3.66% | 4.60% | 9.03% |
| Q2 2026 | 8.17% | 3.64% | 4.93% | 9.44% |
First Federal Savings and Loan 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 First Federal Savings and Loan 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 First Federal Savings and Loan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28635) · FFIEC NIC profile (RSSD 198073)