Goppert State Service 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 biggest quarter-over-quarter change on this page was a small one: Yield on earning assets edged down 0.10 percentage points between Q1 2026 and Q2 2026, to 6.27%. Within Kansas, Goppert State Service Bank is 35th of 182 on net interest margin, 4.52% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Goppert State Service Bank sits 0.57 points higher, at 4.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 6.99% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.52% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 5.75% | 1.25% | 4.59% | 5.98% | 2.28% |
| Q4 2023 | 5.85% | 1.47% | 4.50% | 5.99% | 3.42% |
| Q1 2024 | 6.10% | 1.62% | 4.60% | 6.29% | 4.42% |
| Q2 2024 | 6.22% | 1.81% | 4.55% | 6.37% | 4.66% |
| Q3 2024 | 6.33% | 2.00% | 4.46% | 6.52% | 4.75% |
| Q4 2024 | 6.56% | 2.12% | 4.59% | 6.87% | 4.49% |
| Q1 2025 | 6.34% | 2.03% | 4.42% | 6.78% | 4.33% |
| Q2 2025 | 6.45% | 2.08% | 4.50% | 6.88% | 4.26% |
| Q3 2025 | 6.54% | 2.15% | 4.53% | 6.93% | 4.11% |
| Q4 2025 | 6.72% | 2.09% | 4.80% | 7.17% | 3.96% |
| Q1 2026 | 6.37% | 1.93% | 4.55% | 6.97% | 3.77% |
| Q2 2026 | 6.27% | 1.88% | 4.52% | 6.99% | 3.78% |
Goppert State Service 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 Goppert State Service 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 Goppert State Service Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17317) · FFIEC NIC profile (RSSD 850456)