The Lyndon State 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 Q3 2026, Cost of interest-bearing liabilities edged up by 0.19 percentage points, from 2.33% to 2.52%, the largest move among the key lines here. Among 182 Kansas banks, The Lyndon State Bank sits 18th from the top on net interest margin, 4.78% as of Q3 2026. The Lyndon State Bank reported 4.78% on net interest margin for Q3 2026, 0.83 points above the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.64% |
| Yield on loans | 7.16% |
| Yield on securities | 1.90% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 3.54% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.78% |
| Yield to cost spread | 4.12% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $508K |
| Interest expense on deposits | $314K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.61% | 1.68% | 4.21% | 6.27% | 1.95% |
| Q1 2024 | 5.73% | 2.01% | 4.10% | 6.40% | 1.94% |
| Q2 2024 | 6.01% | 2.38% | 4.09% | 6.68% | 1.84% |
| Q3 2024 | 6.25% | 2.44% | 4.24% | 6.92% | 1.95% |
| Q4 2024 | 6.32% | 2.40% | 4.29% | 7.01% | 1.78% |
| Q1 2025 | 6.25% | 2.19% | 4.43% | 6.92% | 1.81% |
| Q2 2025 | 6.42% | 2.13% | 4.65% | 7.05% | 1.80% |
| Q3 2025 | 6.54% | 2.24% | 4.72% | 7.14% | 1.78% |
| Q4 2025 | 6.55% | 2.13% | 4.86% | 7.16% | 1.83% |
| Q1 2026 | 6.45% | 1.74% | 4.82% | 7.00% | 1.86% |
| Q2 2026 | 6.52% | 1.79% | 4.80% | 7.05% | 1.86% |
| Q3 2026 | 6.64% | 1.94% | 4.78% | 7.16% | 1.90% |
The Lyndon State 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 The Lyndon State 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 The Lyndon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12135) · FFIEC NIC profile (RSSD 136655)