The First State 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 0.17 percentage points to 3.05%. The First State Bank has the 7th lowest net interest margin of the 182 banks headquartered in Kansas, at 3.05% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin. The First State Bank sits 0.83 points lower, at 3.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.35% |
| Yield on loans | 6.99% |
| Yield on securities | 2.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $632K |
| Total interest expense | $282K |
| Interest expense on deposits | $282K |
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 | 3.63% | 0.99% | 2.81% | 6.63% | 2.26% |
| Q4 2023 | 3.57% | 1.14% | 2.66% | 7.04% | 1.91% |
| Q1 2024 | 3.98% | 1.89% | 2.44% | 7.36% | 2.27% |
| Q2 2024 | 4.32% | 2.19% | 2.68% | 7.56% | 2.27% |
| Q3 2024 | 4.40% | 2.21% | 2.70% | 7.67% | 2.27% |
| Q4 2024 | 4.28% | 1.94% | 2.66% | 7.60% | 2.22% |
| Q1 2025 | 4.23% | 1.72% | 2.74% | 7.40% | 2.26% |
| Q2 2025 | 4.36% | 1.77% | 2.83% | 7.44% | 2.27% |
| Q3 2025 | 4.34% | 1.99% | 2.63% | 7.44% | 2.25% |
| Q4 2025 | 4.23% | 1.74% | 2.74% | 7.31% | 2.07% |
| Q1 2026 | 4.24% | 1.55% | 2.88% | 7.08% | 2.34% |
| Q2 2026 | 4.35% | 1.52% | 3.05% | 6.99% | 2.36% |
The First State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10503) · FFIEC NIC profile (RSSD 275657)