The Stockgrowers 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, Yield on loans edged up by 0.15 percentage points, from 6.94% to 7.09%, the largest move among the key lines here. Within Kansas, The Stockgrowers State Bank is 28th of 182 on net interest margin, 4.55% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Stockgrowers State Bank sits 0.60 points higher, at 4.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.34% |
| Yield on loans | 7.09% |
| Yield on securities | 5.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 3.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $555K |
| Interest expense on deposits | $417K |
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 | 5.53% | 1.84% | 3.72% | 6.07% | 3.93% |
| Q4 2023 | 5.88% | 2.11% | 3.83% | 6.43% | 4.25% |
| Q1 2024 | 5.90% | 2.23% | 3.74% | 6.48% | 4.35% |
| Q2 2024 | 6.19% | 2.30% | 4.00% | 6.85% | 4.49% |
| Q3 2024 | 6.26% | 2.36% | 4.02% | 6.90% | 4.63% |
| Q4 2024 | 6.07% | 2.30% | 3.99% | 7.00% | 3.73% |
| Q1 2025 | 6.03% | 2.07% | 4.14% | 6.81% | 4.22% |
| Q2 2025 | 6.23% | 2.13% | 4.30% | 7.02% | 4.37% |
| Q3 2025 | 6.64% | 2.12% | 4.63% | 7.06% | 5.68% |
| Q4 2025 | 6.65% | 2.10% | 4.69% | 7.01% | 5.71% |
| Q1 2026 | 6.45% | 1.98% | 4.61% | 6.94% | 5.21% |
| Q2 2026 | 6.34% | 1.98% | 4.55% | 7.09% | 5.12% |
The Stockgrowers 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 The Stockgrowers 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 The Stockgrowers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18165) · FFIEC NIC profile (RSSD 265452)