Johnson 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.
Compared with Q1 2026, Yield on loans rose 0.31 percentage points in Q2 2026 to 7.90%, the biggest move on this page. Johnson State Bank ranks 154th of 182 Kansas banks on net interest margin, in the lower half at 3.33% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Johnson State Bank sits 0.56 points lower, at 3.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.78% |
| Yield on loans | 7.90% |
| Yield on securities | 2.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $674K |
| Total interest expense | $347K |
| Interest expense on deposits | $329K |
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 | 4.22% | 1.22% | 3.17% | 7.21% | 2.44% |
| Q4 2023 | 3.78% | 1.38% | 2.60% | 6.13% | 2.44% |
| Q1 2024 | 3.88% | 1.64% | 2.50% | 6.40% | 2.24% |
| Q2 2024 | 4.00% | 1.82% | 2.45% | 6.69% | 2.21% |
| Q3 2024 | 4.03% | 1.80% | 2.51% | 6.73% | 2.22% |
| Q4 2024 | 4.13% | 1.82% | 2.58% | 7.27% | 2.21% |
| Q1 2025 | 4.32% | 1.70% | 2.86% | 7.21% | 2.46% |
| Q2 2025 | 4.47% | 1.64% | 3.08% | 7.41% | 2.43% |
| Q3 2025 | 4.56% | 1.71% | 3.10% | 7.33% | 2.43% |
| Q4 2025 | 4.03% | 1.66% | 2.61% | 7.35% | 1.32% |
| Q1 2026 | 4.53% | 1.52% | 3.20% | 7.59% | 2.42% |
| Q2 2026 | 4.78% | 1.65% | 3.33% | 7.90% | 2.53% |
Johnson 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 Johnson 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 Johnson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15237) · FFIEC NIC profile (RSSD 235950)