Grant County 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, Yield on loans fell 0.59 percentage points in Q2 2026 to 6.37%, the biggest move on this page. Within Kansas, Grant County Bank is 142nd of 182 on net interest margin, 3.53% as of Q2 2026, below the middle of the field. Grant County Bank reported 3.53% on net interest margin for Q2 2026, 0.42 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 6.37% |
| Yield on securities | 3.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 4.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 4.91% | 1.61% | 3.48% | 5.86% | 3.73% |
| Q4 2023 | 5.06% | 1.82% | 3.40% | 6.00% | 3.85% |
| Q1 2024 | 5.10% | 2.04% | 3.24% | 6.10% | 3.94% |
| Q2 2024 | 5.53% | 2.22% | 3.56% | 6.68% | 3.92% |
| Q3 2024 | 4.93% | 2.28% | 2.90% | 5.64% | 3.92% |
| Q4 2024 | 5.08% | 2.15% | 3.11% | 6.05% | 3.82% |
| Q1 2025 | 5.04% | 2.06% | 3.24% | 5.99% | 4.01% |
| Q2 2025 | 5.32% | 2.06% | 3.52% | 6.31% | 3.96% |
| Q3 2025 | 5.33% | 2.05% | 3.53% | 6.37% | 3.83% |
| Q4 2025 | 5.79% | 2.04% | 3.98% | 7.60% | 3.79% |
| Q1 2026 | 5.37% | 1.97% | 3.62% | 6.96% | 3.65% |
| Q2 2026 | 5.27% | 1.99% | 3.53% | 6.37% | 3.77% |
Grant County 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 Grant County 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 Grant County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10918) · FFIEC NIC profile (RSSD 207452)