Lyons Federal 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.
Net interest margin climbed 0.50 percentage points in Q2 2026, from 4.11% to 4.61%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Lyons Federal Bank is 26th of 182 on net interest margin, 4.61% 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. Lyons Federal Bank sits 0.66 points higher, at 4.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.57% |
| Yield on loans | 7.25% |
| Yield on securities | 1.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.61% |
| Yield to cost spread | 4.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $872K |
| Interest expense on deposits | $857K |
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 | 5.06% | 1.38% | 3.78% | 5.72% | 2.54% |
| Q4 2023 | 5.12% | 1.56% | 3.63% | 5.67% | 2.59% |
| Q1 2024 | 5.41% | 1.73% | 3.68% | 5.95% | 2.67% |
| Q2 2024 | 5.74% | 2.10% | 3.80% | 6.26% | 2.73% |
| Q3 2024 | 5.86% | 2.14% | 3.90% | 6.36% | 2.65% |
| Q4 2024 | 6.14% | 2.21% | 4.02% | 6.75% | 2.62% |
| Q1 2025 | 6.25% | 2.08% | 4.09% | 7.08% | 2.62% |
| Q2 2025 | 6.30% | 2.17% | 4.25% | 6.88% | 2.43% |
| Q3 2025 | 6.29% | 2.37% | 4.17% | 6.87% | 1.51% |
| Q4 2025 | 6.06% | 2.28% | 3.98% | 6.82% | 1.40% |
| Q1 2026 | 6.10% | 2.16% | 4.11% | 6.94% | 1.42% |
| Q2 2026 | 6.57% | 2.12% | 4.61% | 7.25% | 1.33% |
Lyons Federal 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 Lyons Federal 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 Lyons Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27727) · FFIEC NIC profile (RSSD 901974)