KS Bank, Inc.: 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, Net interest margin edged up by 0.09 percentage points, from 3.90% to 3.99%, the largest move among the key lines here. Within North Carolina, KS Bank, Inc. is 10th of 38 on net interest margin, 3.99% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; KS Bank, Inc. reported 3.99% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.05% |
| Yield on loans | 6.57% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.82% |
| Cost of interest-bearing liabilities | 2.80% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.6M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.4M |
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 | 5.30% | 1.76% | 3.65% | 5.93% | 2.49% |
| Q4 2023 | 5.37% | 1.95% | 3.56% | 5.97% | 2.59% |
| Q1 2024 | 5.56% | 2.07% | 3.58% | 6.18% | 2.57% |
| Q2 2024 | 5.70% | 2.12% | 3.70% | 6.27% | 2.63% |
| Q3 2024 | 5.83% | 2.41% | 3.56% | 6.45% | 2.75% |
| Q4 2024 | 5.89% | 2.17% | 3.87% | 6.50% | 2.76% |
| Q1 2025 | 5.85% | 2.08% | 3.89% | 6.39% | 2.77% |
| Q2 2025 | 6.06% | 2.12% | 4.08% | 6.66% | 2.83% |
| Q3 2025 | 6.22% | 2.18% | 4.18% | 6.79% | 2.89% |
| Q4 2025 | 6.19% | 2.19% | 4.13% | 6.68% | 2.99% |
| Q1 2026 | 6.02% | 2.21% | 3.90% | 6.54% | 3.11% |
| Q2 2026 | 6.05% | 2.14% | 3.99% | 6.57% | 3.13% |
KS Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock KS Bank, Inc., 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 KS Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29771) · FFIEC NIC profile (RSSD 416674)