Security 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 Q2 2026, Cost of interest-bearing deposits edged down by 0.18 percentage points, from 3.56% to 3.38%, the largest move among the key lines here. Within Kansas, Security State Bank is 140th of 182 on net interest margin, 3.58% as of Q2 2026. Security State Bank reported 3.58% on net interest margin for Q2 2026, 0.13 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.46% |
| Yield on loans | 6.96% |
| Yield on securities | 4.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.10% |
| Cost of interest-bearing deposits | 3.38% |
| Cost of interest-bearing liabilities | 3.42% |
| Cost of borrowings | 3.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.2M |
| Total interest expense | $7.0M |
| Interest expense on deposits | $5.5M |
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 | 6.43% | 3.59% | 3.18% | 7.10% | 3.30% |
| Q4 2023 | 6.59% | 3.81% | 3.07% | 7.21% | 3.76% |
| Q1 2024 | 6.52% | 3.81% | 3.03% | 7.14% | 3.41% |
| Q2 2024 | 6.87% | 4.08% | 3.19% | 7.40% | 3.78% |
| Q3 2024 | 7.08% | 4.11% | 3.28% | 7.64% | 4.48% |
| Q4 2024 | 6.95% | 3.81% | 3.28% | 7.50% | 4.53% |
| Q1 2025 | 6.83% | 3.88% | 3.24% | 7.27% | 4.67% |
| Q2 2025 | 6.69% | 3.60% | 3.33% | 7.15% | 4.51% |
| Q3 2025 | 6.83% | 3.62% | 3.46% | 7.28% | 4.69% |
| Q4 2025 | 6.75% | 3.49% | 3.49% | 7.22% | 4.52% |
| Q1 2026 | 6.46% | 3.17% | 3.52% | 6.89% | 4.57% |
| Q2 2026 | 6.46% | 3.10% | 3.58% | 6.96% | 4.41% |
Security 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 Security 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18374) · FFIEC NIC profile (RSSD 319551)