Kaw Valley 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, Total interest expense rose 4.2% in Q2 2026 to $1.3M, the biggest move on this page. On net interest margin, Kaw Valley Bank ranks 16th highest among the 182 banks headquartered in Kansas, at 4.81% (Q2 2026). Kaw Valley Bank reported 4.81% on net interest margin for Q2 2026, 0.86 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.37% |
| Yield on loans | 6.84% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 2.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.81% |
| Yield to cost spread | 3.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 5.21% | 1.16% | 4.12% | 5.81% | 1.43% |
| Q4 2023 | 5.51% | 1.28% | 4.30% | 6.14% | 1.43% |
| Q1 2024 | 5.60% | 1.39% | 4.32% | 6.32% | 1.52% |
| Q2 2024 | 6.03% | 1.48% | 4.67% | 6.43% | 1.98% |
| Q3 2024 | 6.20% | 1.50% | 4.83% | 6.67% | 2.20% |
| Q4 2024 | 6.39% | 1.52% | 4.97% | 6.87% | 2.27% |
| Q1 2025 | 5.99% | 1.48% | 4.60% | 6.52% | 2.40% |
| Q2 2025 | 6.15% | 1.57% | 4.68% | 6.65% | 2.42% |
| Q3 2025 | 6.26% | 1.61% | 4.78% | 6.80% | 2.49% |
| Q4 2025 | 6.33% | 1.58% | 4.88% | 6.88% | 2.42% |
| Q1 2026 | 6.24% | 1.65% | 4.70% | 6.74% | 3.00% |
| Q2 2026 | 6.37% | 1.68% | 4.81% | 6.84% | 3.31% |
Kaw Valley 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 Kaw Valley 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 Kaw Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9665) · FFIEC NIC profile (RSSD 485456)