Integrity 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 climbed 1.55 percentage points in Q2 2026, from 1.22% to 2.78%. It was the largest change from Q1 2026 among the key lines here. Integrity Bank ranks 87th of 182 Kansas banks on net interest margin, in the upper half at 4.01% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Integrity Bank sits 0.13 points higher, at 4.01% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.87% |
| Yield on loans | 7.38% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.88% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | 2.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $580K |
| Total interest expense | $212K |
| Interest expense on deposits | $211K |
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 | 3.52% | 0.89% | 2.67% | 7.36% | 1.40% |
| Q4 2023 | 3.70% | 0.96% | 2.79% | 7.67% | 1.37% |
| Q1 2024 | 4.20% | 1.01% | 3.31% | 7.51% | 1.67% |
| Q2 2024 | 4.51% | 0.89% | 3.66% | 7.70% | 1.74% |
| Q3 2024 | 4.93% | 0.51% | 4.38% | 8.10% | 2.54% |
| Q4 2024 | 4.96% | 0.57% | 4.37% | 7.92% | 3.02% |
| Q1 2025 | 4.85% | 0.67% | 4.19% | 7.71% | 3.34% |
| Q2 2025 | 5.10% | 0.79% | 4.31% | 7.75% | 3.56% |
| Q3 2025 | 5.25% | 0.87% | 4.47% | 7.82% | 3.97% |
| Q4 2025 | 5.00% | 0.74% | 4.20% | 7.63% | 3.33% |
| Q1 2026 | 4.78% | 0.71% | 3.97% | 7.30% | 3.54% |
| Q2 2026 | 4.87% | 0.88% | 4.01% | 7.38% | 3.90% |
Integrity 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 Integrity 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 Integrity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13450) · FFIEC NIC profile (RSSD 843953)