Patriots 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.69 percentage points to 3.44%. Within Kansas, Patriots Bank is 20th of 182 on net interest margin, 4.65% as of Q2 2026, above the middle of the field. Patriots Bank reported 4.65% on net interest margin for Q2 2026, 0.70 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.92% |
| Yield on loans | 7.80% |
| Yield on securities | 3.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.80% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 4.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.5M |
| 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 | 6.42% | 2.35% | 4.22% | 7.20% | 2.18% |
| Q4 2023 | 6.71% | 2.34% | 4.37% | 7.40% | 2.27% |
| Q1 2024 | 6.69% | 2.42% | 4.35% | 7.40% | 2.19% |
| Q2 2024 | 6.99% | 2.60% | 4.48% | 7.76% | 2.30% |
| Q3 2024 | 7.09% | 2.84% | 4.36% | 7.89% | 2.44% |
| Q4 2024 | 7.28% | 2.69% | 4.71% | 8.18% | 2.63% |
| Q1 2025 | 6.72% | 2.54% | 4.40% | 8.05% | 2.46% |
| Q2 2025 | 7.39% | 2.51% | 4.98% | 8.39% | 2.73% |
| Q3 2025 | 7.44% | 2.48% | 5.07% | 8.32% | 2.76% |
| Q4 2025 | 7.17% | 2.45% | 4.86% | 8.04% | 2.94% |
| Q1 2026 | 7.13% | 2.43% | 4.82% | 8.01% | 2.94% |
| Q2 2026 | 6.92% | 2.37% | 4.65% | 7.80% | 3.02% |
Patriots 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 Patriots 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 Patriots Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18019) · FFIEC NIC profile (RSSD 297051)