Union 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 4.7% to $2.4M. Union State Bank ranks 52nd of 182 Kansas banks on net interest margin, in the upper half at 4.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Union State Bank sits 0.34 points higher, at 4.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.89% |
| Yield on securities | 3.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.28% |
| Yield to cost spread | 3.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.4M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.3M |
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 | 4.74% | 1.51% | 3.32% | 5.94% | 1.88% |
| Q4 2023 | 4.93% | 1.77% | 3.24% | 6.14% | 2.12% |
| Q1 2024 | 5.07% | 2.01% | 3.11% | 6.23% | 2.47% |
| Q2 2024 | 5.13% | 2.02% | 3.17% | 6.26% | 2.80% |
| Q3 2024 | 5.38% | 2.07% | 3.34% | 6.47% | 2.99% |
| Q4 2024 | 5.47% | 1.88% | 3.59% | 6.61% | 2.84% |
| Q1 2025 | 5.48% | 1.78% | 3.74% | 6.55% | 2.96% |
| Q2 2025 | 5.59% | 1.84% | 3.88% | 6.69% | 3.03% |
| Q3 2025 | 5.80% | 1.81% | 4.11% | 6.90% | 3.15% |
| Q4 2025 | 5.81% | 1.71% | 4.23% | 7.00% | 3.15% |
| Q1 2026 | 5.68% | 1.56% | 4.23% | 6.73% | 3.22% |
| Q2 2026 | 5.75% | 1.58% | 4.28% | 6.89% | 3.24% |
Union 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 Union 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 Union State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1869) · FFIEC NIC profile (RSSD 227151)