The First Security 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 standout move of Q2 2026 was in Cost of borrowings: 3.07 percentage points lower than in Q1 2026, at 3.61%. The First Security Bank ranks 24th of 182 Kansas banks on net interest margin, in the upper half at 4.63% (Q2 2026). The First Security Bank reported 4.63% on net interest margin for Q2 2026, 0.69 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | 6.91% |
| Yield on securities | 5.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 3.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.63% |
| Yield to cost spread | 3.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $690K |
| Interest expense on deposits | $634K |
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 | 5.38% | 1.44% | 3.91% | 5.85% | 3.08% |
| Q4 2023 | 5.63% | 1.61% | 4.02% | 6.12% | 3.70% |
| Q1 2024 | 5.62% | 1.82% | 3.82% | 6.08% | 3.82% |
| Q2 2024 | 5.66% | 1.83% | 3.89% | 6.07% | 3.96% |
| Q3 2024 | 6.03% | 2.06% | 4.07% | 6.48% | 4.29% |
| Q4 2024 | 5.97% | 2.06% | 4.13% | 6.45% | 4.47% |
| Q1 2025 | 5.84% | 1.97% | 4.02% | 6.26% | 4.90% |
| Q2 2025 | 5.96% | 2.02% | 4.08% | 6.42% | 5.00% |
| Q3 2025 | 6.88% | 2.02% | 4.97% | 7.53% | 5.50% |
| Q4 2025 | 6.29% | 2.05% | 4.34% | 6.72% | 5.57% |
| Q1 2026 | 6.18% | 1.70% | 4.40% | 6.53% | 5.48% |
| Q2 2026 | 6.30% | 1.72% | 4.63% | 6.91% | 5.40% |
The First Security 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 The First Security 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 The First Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4752) · FFIEC NIC profile (RSSD 460350)