The First State Bank of Healy: 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 0.23 percentage points in Q2 2026 to 3.29%, the biggest move on this page. The First State Bank of Healy ranks 161st of 182 Kansas banks on net interest margin, in the lower half at 3.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First State Bank of Healy sits 0.66 points lower, at 3.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | 6.48% |
| Yield on securities | 3.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.61% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.29% |
| Yield to cost spread | 2.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $547K |
| Interest expense on deposits | $509K |
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 | 4.88% | 2.39% | 3.03% | 5.91% | 3.20% |
| Q4 2023 | 4.94% | 2.74% | 2.75% | 5.89% | 3.26% |
| Q1 2024 | 5.06% | 2.61% | 2.76% | 6.12% | 3.42% |
| Q2 2024 | 5.19% | 2.65% | 2.87% | 6.27% | 3.48% |
| Q3 2024 | 5.39% | 3.08% | 2.66% | 6.49% | 3.51% |
| Q4 2024 | 5.36% | 3.09% | 2.59% | 6.44% | 3.51% |
| Q1 2025 | 5.39% | 2.89% | 2.82% | 6.38% | 3.46% |
| Q2 2025 | 5.46% | 2.82% | 2.97% | 6.49% | 3.52% |
| Q3 2025 | 5.48% | 2.99% | 2.84% | 6.55% | 3.55% |
| Q4 2025 | 5.46% | 2.71% | 3.02% | 6.58% | 3.49% |
| Q1 2026 | 5.19% | 2.38% | 3.06% | 6.17% | 3.56% |
| Q2 2026 | 5.31% | 2.32% | 3.29% | 6.48% | 3.57% |
The First State Bank of Healy 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 State Bank of Healy, 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 State Bank of Healy profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17661) · FFIEC NIC profile (RSSD 864855)