Golden Belt Bank, FSA: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.84%. Golden Belt Bank, FSA ranks 109th of 182 Kansas banks on net interest margin, in the lower half at 3.84% (Q2 2026). At 3.84%, Golden Belt Bank, FSA's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.15% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.1M |
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 | 4.73% | 1.21% | 3.57% | 5.27% | 3.19% |
| Q4 2023 | 4.87% | 1.50% | 3.47% | 5.37% | 3.28% |
| Q1 2024 | 4.93% | 1.67% | 3.38% | 5.50% | 3.23% |
| Q2 2024 | 5.17% | 1.76% | 3.53% | 5.76% | 3.26% |
| Q3 2024 | 5.36% | 1.85% | 3.62% | 5.98% | 3.35% |
| Q4 2024 | 5.27% | 1.96% | 3.44% | 5.88% | 3.29% |
| Q1 2025 | 5.28% | 1.93% | 3.50% | 5.90% | 3.17% |
| Q2 2025 | 5.49% | 1.95% | 3.67% | 6.15% | 3.40% |
| Q3 2025 | 5.54% | 1.96% | 3.71% | 6.13% | 3.48% |
| Q4 2025 | 5.52% | 1.95% | 3.74% | 6.13% | 3.42% |
| Q1 2026 | 5.46% | 1.84% | 3.75% | 6.07% | 3.29% |
| Q2 2026 | 5.54% | 1.83% | 3.84% | 6.15% | 3.15% |
Golden Belt Bank, FSA yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Belt Bank, FSA, 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 Golden Belt Bank, FSA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28735) · FFIEC NIC profile (RSSD 148171)