SJN Bank of Kansas: 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 Q2 2026 and Q3 2026 was in Total interest expense, which rose 5.7% to $1.1M. SJN Bank of Kansas ranks 28th of 182 Kansas banks on net interest margin, in the upper half at 4.59% (Q3 2026). SJN Bank of Kansas reported 4.59% on net interest margin for Q3 2026, 0.64 points above the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.05% |
| Yield on loans | 6.95% |
| Yield on securities | 4.31% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 3.45% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.59% |
| Yield to cost spread | 4.10% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $894K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.45% | 1.85% | 3.64% | 7.48% | 2.73% |
| Q1 2024 | 5.68% | 1.97% | 3.78% | 7.62% | 3.30% |
| Q2 2024 | 5.87% | 2.11% | 3.85% | 7.68% | 3.55% |
| Q3 2024 | 6.46% | 2.43% | 4.15% | 7.76% | 4.52% |
| Q4 2024 | 6.13% | 2.43% | 3.84% | 7.52% | 3.97% |
| Q1 2025 | 5.71% | 2.15% | 3.69% | 6.86% | 3.85% |
| Q2 2025 | 5.98% | 2.09% | 4.04% | 7.35% | 3.87% |
| Q3 2025 | 6.42% | 2.18% | 4.40% | 7.87% | 3.91% |
| Q4 2025 | 5.95% | 2.05% | 4.09% | 6.76% | 4.33% |
| Q1 2026 | 5.96% | 1.68% | 4.36% | 6.80% | 4.22% |
| Q2 2026 | 6.05% | 1.52% | 4.64% | 6.89% | 4.27% |
| Q3 2026 | 6.05% | 1.57% | 4.59% | 6.95% | 4.31% |
SJN Bank of Kansas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock SJN Bank of Kansas, 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 SJN Bank of Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4766) · FFIEC NIC profile (RSSD 412555)