KS Statebank: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.13 percentage points to 3.71%. KS Statebank ranks 125th of 182 Kansas banks on net interest margin, in the lower half at 3.71% (Q2 2026). At 3.71%, KS Statebank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.51% |
| Yield on loans | 6.69% |
| Yield on securities | 6.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.20% |
| Cost of interest-bearing deposits | 3.55% |
| Cost of interest-bearing liabilities | 3.56% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 2.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $31.0M |
| Total interest expense | $18.0M |
| Interest expense on deposits | $17.2M |
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 | 5.55% | 3.15% | 2.78% | 5.69% | 4.93% |
| Q4 2023 | 5.76% | 3.27% | 2.87% | 5.87% | 5.08% |
| Q1 2024 | 5.84% | 3.44% | 2.80% | 5.98% | 5.21% |
| Q2 2024 | 5.97% | 3.53% | 2.88% | 6.06% | 5.48% |
| Q3 2024 | 6.23% | 3.60% | 3.09% | 6.34% | 5.88% |
| Q4 2024 | 6.95% | 3.45% | 3.94% | 7.17% | 5.99% |
| Q1 2025 | 6.21% | 3.32% | 3.28% | 6.33% | 6.02% |
| Q2 2025 | 6.29% | 3.38% | 3.28% | 6.47% | 6.10% |
| Q3 2025 | 6.19% | 3.42% | 3.17% | 6.39% | 6.25% |
| Q4 2025 | 6.50% | 3.30% | 3.61% | 6.61% | 6.40% |
| Q1 2026 | 6.36% | 3.16% | 3.58% | 6.53% | 6.15% |
| Q2 2026 | 6.51% | 3.20% | 3.71% | 6.69% | 6.39% |
KS Statebank 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 Statebank, 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 Statebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19899) · FFIEC NIC profile (RSSD 160959)