Kendall 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.
In Q2 2026, Total interest expense edged down by 1.4%, from $1.1M to $1.1M, the largest move among the key lines here. Within Kansas, Kendall Bank is 19th of 182 on net interest margin, 4.74% as of Q2 2026. Kendall Bank reported 4.74% on net interest margin for Q2 2026, 0.80 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.81% |
| Yield on loans | 7.31% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.97% |
| Cost of interest-bearing liabilities | 2.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.74% |
| Yield to cost spread | 3.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 6.98% | 2.75% | 4.46% | 7.07% | — |
| Q4 2023 | 7.23% | 3.14% | 4.35% | 7.33% | — |
| Q1 2024 | 7.43% | 3.36% | 4.32% | 7.55% | — |
| Q2 2024 | 7.68% | 3.27% | 4.69% | 7.78% | — |
| Q3 2024 | 7.81% | 3.26% | 4.80% | 7.88% | — |
| Q4 2024 | 7.65% | 3.17% | 4.73% | 7.76% | — |
| Q1 2025 | 7.10% | 2.57% | 4.64% | 7.69% | 4.21% |
| Q2 2025 | 7.40% | 2.60% | 5.00% | 8.26% | 4.14% |
| Q3 2025 | 6.91% | 2.63% | 4.47% | 7.56% | 4.19% |
| Q4 2025 | 7.15% | 2.43% | 4.91% | 7.68% | 3.93% |
| Q1 2026 | 6.82% | 2.20% | 4.72% | 7.30% | 3.67% |
| Q2 2026 | 6.81% | 2.20% | 4.74% | 7.31% | 3.68% |
Kendall 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 Kendall 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 Kendall Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8110) · FFIEC NIC profile (RSSD 366854)