State Bank of Bern: 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 0.09 percentage points between Q1 2026 and Q2 2026, to 3.72%. Within Kansas, State Bank of Bern is 135th of 182 on net interest margin, 3.60% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. State Bank of Bern sits 0.35 points lower, at 3.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 6.59% |
| Yield on securities | 3.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 3.12% |
| Cost of interest-bearing liabilities | 3.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $522K |
| Interest expense on deposits | $522K |
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 | 4.62% | 1.02% | 3.39% | 5.97% | 3.13% |
| Q4 2023 | 5.42% | 1.09% | 4.09% | 7.02% | 3.53% |
| Q1 2024 | 5.10% | 1.24% | 3.61% | 6.67% | 3.25% |
| Q2 2024 | 5.26% | 1.31% | 3.67% | 6.84% | 3.22% |
| Q3 2024 | 5.49% | 1.39% | 3.82% | 6.98% | 3.59% |
| Q4 2024 | 5.48% | 1.43% | 3.76% | 7.09% | 3.38% |
| Q1 2025 | 5.37% | 1.41% | 3.67% | 6.74% | 3.71% |
| Q2 2025 | 5.26% | 1.44% | 3.61% | 6.65% | 3.68% |
| Q3 2025 | 5.47% | 1.49% | 3.76% | 6.66% | 4.13% |
| Q4 2025 | 5.22% | 1.52% | 3.48% | 6.51% | 3.63% |
| Q1 2026 | 5.24% | 1.45% | 3.58% | 6.54% | 3.63% |
| Q2 2026 | 5.24% | 1.44% | 3.60% | 6.59% | 3.72% |
State Bank of Bern yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bern, 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 State Bank of Bern profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10919) · FFIEC NIC profile (RSSD 1013650)