Merchants and Farmers 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.
The standout move of Q2 2026 was in Cost of borrowings: 13.46 percentage points lower than in Q1 2026, at 0.00%. Within Arkansas, Merchants and Farmers Bank is 9th of 78 on net interest margin, 4.87% 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. Merchants and Farmers Bank sits 0.92 points higher, at 4.87% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.01% |
| Yield on loans | 7.52% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 2.69% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.87% |
| Yield to cost spread | 4.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 6.47% | 2.03% | 4.55% | 6.92% | 2.32% |
| Q4 2023 | 6.73% | 2.15% | 4.69% | 7.15% | 2.74% |
| Q1 2024 | 6.79% | 2.31% | 4.57% | 7.27% | 3.04% |
| Q2 2024 | 7.10% | 2.58% | 4.66% | 7.58% | 3.16% |
| Q3 2024 | 7.36% | 2.66% | 4.84% | 7.88% | 3.19% |
| Q4 2024 | 7.37% | 2.42% | 5.08% | 7.84% | 3.18% |
| Q1 2025 | 7.15% | 2.28% | 4.99% | 7.73% | 3.27% |
| Q2 2025 | 7.45% | 2.45% | 5.15% | 8.03% | 3.42% |
| Q3 2025 | 7.37% | 2.58% | 4.92% | 7.91% | 3.44% |
| Q4 2025 | 7.48% | 2.42% | 5.20% | 8.02% | 3.53% |
| Q1 2026 | 6.85% | 2.30% | 4.63% | 7.38% | 3.62% |
| Q2 2026 | 7.01% | 2.26% | 4.87% | 7.52% | 3.71% |
Merchants and Farmers 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 Merchants and Farmers 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 Merchants and Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8735) · FFIEC NIC profile (RSSD 644842)