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.
Total interest expense fell 4.8% from Q1 2026 to Q2 2026, ending at $1.7M against $1.8M. It was the largest change among the key lines on this page. Within Kansas, The First State Bank is 67th of 182 on net interest margin, 4.14% as of Q2 2026. The First State Bank reported 4.14% on net interest margin for Q2 2026, 0.20 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 7.31% |
| Yield on securities | 2.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.14% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.6M |
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 | 4.82% | 1.81% | 3.09% | 6.82% | 2.70% |
| Q4 2023 | 5.06% | 1.91% | 3.24% | 7.13% | 2.79% |
| Q1 2024 | 5.06% | 1.73% | 3.43% | 7.06% | 2.91% |
| Q2 2024 | 5.29% | 1.99% | 3.39% | 7.31% | 3.00% |
| Q3 2024 | 5.48% | 2.20% | 3.37% | 7.52% | 2.94% |
| Q4 2024 | 5.52% | 2.04% | 3.56% | 7.49% | 2.80% |
| Q1 2025 | 5.30% | 1.83% | 3.53% | 7.20% | 2.74% |
| Q2 2025 | 5.39% | 1.75% | 3.71% | 7.29% | 2.76% |
| Q3 2025 | 5.65% | 1.81% | 3.92% | 7.44% | 2.77% |
| Q4 2025 | 5.64% | 1.79% | 3.88% | 7.39% | 2.76% |
| Q1 2026 | 5.54% | 1.51% | 4.07% | 7.26% | 2.80% |
| Q2 2026 | 5.56% | 1.49% | 4.14% | 7.31% | 2.82% |
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 5835) · FFIEC NIC profile (RSSD 394259)