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.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 2.96%. Security State Bank ranks 104th of 182 Kansas banks on net interest margin, in the lower half at 3.87% (Q2 2026). At 3.87%, Security State Bank's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 7.58% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.97% |
| Cost of interest-bearing deposits | 1.23% |
| Cost of interest-bearing liabilities | 1.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $350K |
| Total interest expense | $114K |
| Interest expense on deposits | $114K |
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 | 4.16% | 1.20% | 3.10% | 6.51% | 2.47% |
| Q4 2023 | 4.09% | 1.23% | 3.03% | 6.60% | 2.28% |
| Q1 2024 | 4.18% | 1.13% | 3.16% | 6.62% | 2.37% |
| Q2 2024 | 4.34% | 1.23% | 3.24% | 6.90% | 2.42% |
| Q3 2024 | 4.52% | 1.26% | 3.40% | 7.22% | 2.51% |
| Q4 2024 | 4.39% | 1.22% | 3.32% | 6.85% | 2.54% |
| Q1 2025 | 4.52% | 1.19% | 3.46% | 7.20% | 2.38% |
| Q2 2025 | 4.68% | 1.19% | 3.62% | 7.34% | 2.46% |
| Q3 2025 | 4.72% | 1.14% | 3.72% | 7.32% | 2.43% |
| Q4 2025 | 4.65% | 1.04% | 3.73% | 7.43% | 2.42% |
| Q1 2026 | 4.69% | 0.97% | 3.80% | 7.39% | 2.76% |
| Q2 2026 | 4.77% | 0.97% | 3.87% | 7.58% | 2.96% |
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 12422) · FFIEC NIC profile (RSSD 73956)