Kansas 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.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 3.37% against 3.21%. It was the largest change among the key lines on this page. Kansas State Bank ranks 153rd of 182 Kansas banks on net interest margin, in the lower half at 3.37% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Kansas State Bank sits 0.58 points lower, at 3.37% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.70% |
| Yield on loans | 6.69% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.80% |
| Cost of borrowings | 3.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.37% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $673K |
| Interest expense on deposits | $661K |
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 | 3.58% | 1.40% | 2.29% | 5.51% | 1.91% |
| Q4 2023 | 3.62% | 1.53% | 2.22% | 5.63% | 1.99% |
| Q1 2024 | 3.88% | 1.60% | 2.40% | 5.77% | 2.27% |
| Q2 2024 | 3.97% | 1.65% | 2.45% | 5.92% | 2.34% |
| Q3 2024 | 4.17% | 1.65% | 2.63% | 6.19% | 2.24% |
| Q4 2024 | 4.12% | 1.63% | 2.63% | 6.32% | 2.21% |
| Q1 2025 | 4.16% | 1.61% | 2.66% | 6.01% | 2.62% |
| Q2 2025 | 4.46% | 1.58% | 2.99% | 6.45% | 2.82% |
| Q3 2025 | 4.85% | 1.57% | 3.36% | 6.70% | 3.04% |
| Q4 2025 | 4.75% | 1.53% | 3.33% | 6.67% | 3.11% |
| Q1 2026 | 4.59% | 1.48% | 3.21% | 6.50% | 3.10% |
| Q2 2026 | 4.70% | 1.43% | 3.37% | 6.69% | 3.10% |
Kansas 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 Kansas 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 Kansas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10505) · FFIEC NIC profile (RSSD 287959)