Guaranty State Bank and Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.25 percentage points to 3.32%. Within Kansas, Guaranty State Bank and Trust Company is 156th of 182 on net interest margin, 3.32% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Guaranty State Bank and Trust Company sits 0.63 points lower, at 3.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 6.60% |
| Yield on securities | 2.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.71% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 3.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.32% |
| Yield to cost spread | 2.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 5.01% | 2.13% | 3.16% | 6.07% | 3.00% |
| Q4 2023 | 5.14% | 1.99% | 3.16% | 6.17% | 2.77% |
| Q1 2024 | 4.78% | 2.02% | 2.95% | 6.15% | 2.09% |
| Q2 2024 | 5.12% | 2.27% | 3.04% | 6.29% | 2.42% |
| Q3 2024 | 4.90% | 2.31% | 2.52% | 6.21% | 2.11% |
| Q4 2024 | 5.18% | 1.95% | 2.95% | 6.56% | 2.12% |
| Q1 2025 | 4.93% | 1.89% | 2.89% | 6.25% | 2.13% |
| Q2 2025 | 5.29% | 1.92% | 3.22% | 6.78% | 2.14% |
| Q3 2025 | 5.14% | 1.92% | 3.05% | 6.50% | 2.16% |
| Q4 2025 | 5.21% | 1.90% | 3.15% | 6.49% | 2.17% |
| Q1 2026 | 5.02% | 2.19% | 3.07% | 6.32% | 2.18% |
| Q2 2026 | 5.24% | 2.17% | 3.32% | 6.60% | 2.34% |
Guaranty State Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty State Bank and Trust Company, 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 Guaranty State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10907) · FFIEC NIC profile (RSSD 1009756)