Ford County 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.
Compared with Q1 2026, Net interest margin rose 0.22 percentage points in Q2 2026 to 3.45%, the biggest move on this page. Within Kansas, Ford County State Bank is 147th of 182 on net interest margin, 3.45% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Ford County State Bank sits 0.44 points lower, at 3.45% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 7.67% |
| Yield on securities | 1.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 3.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $585K |
| Total interest expense | $219K |
| Interest expense on deposits | $218K |
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 | 3.75% | 1.47% | 2.40% | 6.27% | 1.84% |
| Q4 2023 | 3.90% | 1.63% | 2.43% | 6.45% | 1.77% |
| Q1 2024 | 4.01% | 1.80% | 2.30% | 6.83% | 1.74% |
| Q2 2024 | 4.33% | 1.94% | 2.46% | 7.22% | 1.80% |
| Q3 2024 | 4.59% | 2.57% | 2.39% | 7.55% | 1.78% |
| Q4 2024 | 5.14% | 2.43% | 2.97% | 7.85% | 2.10% |
| Q1 2025 | 4.83% | 2.25% | 2.91% | 7.77% | 1.77% |
| Q2 2025 | 4.94% | 2.47% | 2.87% | 7.84% | 1.81% |
| Q3 2025 | 5.27% | 2.57% | 3.01% | 7.83% | 2.02% |
| Q4 2025 | 5.37% | 2.35% | 3.30% | 7.88% | 2.04% |
| Q1 2026 | 4.88% | 1.82% | 3.23% | 7.67% | 1.74% |
| Q2 2026 | 4.99% | 1.64% | 3.45% | 7.67% | 1.76% |
Ford County 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 Ford County 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 Ford County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12139) · FFIEC NIC profile (RSSD 540850)