KCB 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 standout move of Q2 2026 was in Total interest expense: 10.7% lower than in Q1 2026, at $1.6M. Within Kansas, KCB Bank is 128th of 182 on net interest margin, 3.67% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. KCB Bank sits 0.27 points lower, at 3.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.94% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 2.70% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 5.61% | 2.54% | 3.35% | 6.58% | 4.25% |
| Q4 2023 | 5.86% | 2.83% | 3.35% | 6.84% | 4.56% |
| Q1 2024 | 5.89% | 2.92% | 3.24% | 6.87% | 4.73% |
| Q2 2024 | 6.15% | 2.94% | 3.48% | 7.09% | 4.93% |
| Q3 2024 | 6.17% | 3.52% | 2.98% | 7.10% | 4.87% |
| Q4 2024 | 6.05% | 2.95% | 3.36% | 7.12% | 4.60% |
| Q1 2025 | 5.87% | 2.70% | 3.39% | 6.99% | 4.40% |
| Q2 2025 | 6.06% | 2.84% | 3.46% | 7.21% | 4.29% |
| Q3 2025 | 6.13% | 2.96% | 3.46% | 7.21% | 4.30% |
| Q4 2025 | 5.89% | 2.61% | 3.52% | 7.03% | 4.13% |
| Q1 2026 | 5.39% | 2.46% | 3.15% | 6.63% | 3.78% |
| Q2 2026 | 5.74% | 2.29% | 3.67% | 6.94% | 3.90% |
KCB 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 KCB 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 KCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15194) · FFIEC NIC profile (RSSD 5751)