First Kansas 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 3.12% against 2.99%. It was the largest change among the key lines on this page. First Kansas Bank has the 12th lowest net interest margin of the 182 banks headquartered in Kansas, at 3.12% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First Kansas Bank sits 0.82 points lower, at 3.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.52% |
| Yield on loans | 5.39% |
| Yield on securities | 3.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.61% |
| Cost of interest-bearing liabilities | 1.61% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.12% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 4.01% | 1.15% | 2.94% | 4.74% | 3.45% |
| Q4 2023 | 4.13% | 1.16% | 3.04% | 4.78% | 3.53% |
| Q1 2024 | 4.14% | 1.18% | 3.07% | 4.81% | 3.73% |
| Q2 2024 | 4.39% | 1.26% | 3.21% | 4.97% | 3.71% |
| Q3 2024 | 4.46% | 1.45% | 3.10% | 5.21% | 3.64% |
| Q4 2024 | 4.43% | 1.34% | 3.16% | 5.33% | 3.57% |
| Q1 2025 | 4.31% | 1.31% | 3.07% | 5.14% | 3.62% |
| Q2 2025 | 4.44% | 1.44% | 3.08% | 5.29% | 3.71% |
| Q3 2025 | 4.62% | 1.58% | 3.12% | 5.63% | 3.77% |
| Q4 2025 | 4.49% | 1.46% | 3.11% | 5.43% | 3.64% |
| Q1 2026 | 4.39% | 1.48% | 2.99% | 5.32% | 3.61% |
| Q2 2026 | 4.52% | 1.48% | 3.12% | 5.39% | 3.80% |
First Kansas 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 Kansas 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 Kansas Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18474) · FFIEC NIC profile (RSSD 1492817)