Howard 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.
Yield to cost spread rose 0.50 percentage points from Q1 2026 to Q2 2026, ending at 4.73% against 4.23%. It was the largest change among the key lines on this page. On net interest margin, Howard State Bank ranks 10th highest among the 182 banks headquartered in Kansas, at 5.01% (Q2 2026). Howard State Bank reported 5.01% on net interest margin for Q2 2026, 1.12 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.89% |
| Yield on loans | 6.70% |
| Yield on securities | 4.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.95% |
| Cost of interest-bearing deposits | 1.19% |
| Cost of interest-bearing liabilities | 1.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.01% |
| Yield to cost spread | 4.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $891K |
| Total interest expense | $169K |
| Interest expense on deposits | $169K |
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 | 4.66% | 0.49% | 3.93% | 5.98% | 2.33% |
| Q4 2023 | 4.79% | 0.48% | 4.09% | 6.12% | 2.42% |
| Q1 2024 | 5.06% | 0.51% | 4.31% | 6.24% | 2.92% |
| Q2 2024 | 5.39% | 0.61% | 4.55% | 6.38% | 3.53% |
| Q3 2024 | 5.61% | 0.72% | 4.63% | 6.67% | 4.94% |
| Q4 2024 | 5.66% | 0.63% | 4.78% | 6.73% | 3.81% |
| Q1 2025 | 5.58% | 0.61% | 4.72% | 6.60% | 3.69% |
| Q2 2025 | 5.88% | 0.70% | 4.90% | 6.68% | 3.58% |
| Q3 2025 | 5.87% | 0.70% | 4.94% | 6.83% | 4.67% |
| Q4 2025 | 5.84% | 0.68% | 4.91% | 6.84% | 3.89% |
| Q1 2026 | 5.74% | 0.71% | 4.91% | 6.62% | 4.01% |
| Q2 2026 | 5.89% | 0.95% | 5.01% | 6.70% | 4.11% |
Howard 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 Howard 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 Howard State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4693) · FFIEC NIC profile (RSSD 998358)