Independent Farmers 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.32 percentage points to 4.12%. Within Missouri, Independent Farmers Bank is 67th of 192 on net interest margin, 4.29% as of Q2 2026, above the middle of the field. Independent Farmers Bank reported 4.29% on net interest margin for Q2 2026, 0.34 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 7.66% |
| Yield on securities | 2.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.72% |
| Cost of borrowings | 4.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $448K |
| Interest expense on deposits | $438K |
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 | 5.09% | 1.52% | 3.65% | 7.60% | 2.33% |
| Q4 2023 | 5.19% | 1.62% | 3.68% | 7.73% | 2.30% |
| Q1 2024 | 5.19% | 1.63% | 3.66% | 7.70% | 2.30% |
| Q2 2024 | 5.46% | 1.82% | 3.75% | 8.03% | 2.32% |
| Q3 2024 | 5.62% | 1.94% | 3.81% | 8.11% | 2.31% |
| Q4 2024 | 5.59% | 1.80% | 3.91% | 8.06% | 2.31% |
| Q1 2025 | 5.44% | 1.54% | 3.99% | 7.70% | 2.31% |
| Q2 2025 | 5.56% | 1.54% | 4.12% | 7.84% | 2.32% |
| Q3 2025 | 5.54% | 1.54% | 4.11% | 7.90% | 2.34% |
| Q4 2025 | 5.49% | 1.46% | 4.14% | 7.99% | 2.34% |
| Q1 2026 | 5.41% | 1.36% | 4.14% | 7.79% | 2.34% |
| Q2 2026 | 5.48% | 1.31% | 4.29% | 7.66% | 2.37% |
Independent Farmers 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 Independent Farmers 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 Independent Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11462) · FFIEC NIC profile (RSSD 956152)