The Lyon County 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.
Compared with Q2 2026, Net interest margin rose 0.18 percentage points in Q3 2026 to 4.05%, the biggest move on this page. The Lyon County State Bank ranks 80th of 182 Kansas banks on net interest margin, in the upper half at 4.05% (Q3 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Lyon County State Bank reported 4.05% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 6.34% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 1.72% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | 4.17% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $637K |
| Interest expense on deposits | $603K |
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 | 4.20% | 1.10% | 3.17% | 5.45% | 2.23% |
| Q1 2024 | 4.29% | 1.22% | 3.14% | 5.47% | 2.30% |
| Q2 2024 | 4.46% | 1.22% | 3.32% | 5.69% | 2.29% |
| Q3 2024 | 4.67% | 1.38% | 3.38% | 5.94% | 2.30% |
| Q4 2024 | 4.79% | 1.44% | 3.45% | 6.05% | 2.28% |
| Q1 2025 | 4.76% | 1.49% | 3.36% | 5.93% | 2.31% |
| Q2 2025 | 4.91% | 1.48% | 3.54% | 6.11% | 2.32% |
| Q3 2025 | 5.04% | 1.46% | 3.68% | 6.19% | 2.32% |
| Q4 2025 | 5.15% | 1.46% | 3.82% | 6.38% | 2.31% |
| Q1 2026 | 5.01% | 1.36% | 3.77% | 6.13% | 2.33% |
| Q2 2026 | 5.15% | 1.40% | 3.87% | 6.32% | 2.32% |
| Q3 2026 | 5.29% | 1.35% | 4.05% | 6.34% | 2.39% |
The Lyon County 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 Lyon County 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 Lyon County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14952) · FFIEC NIC profile (RSSD 796657)