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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.69%. On net interest margin, Union State Bank is 18th from the bottom among 182 Kansas banks, 3.20% (Q2 2026). Union State Bank reported 3.20% on net interest margin for Q2 2026, 0.74 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | 6.29% |
| Yield on securities | 2.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 3.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $828K |
| Interest expense on deposits | $715K |
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 | 3.94% | 1.58% | 2.55% | 5.11% | 2.32% |
| Q4 2023 | 4.10% | 1.71% | 2.58% | 5.30% | 2.33% |
| Q1 2024 | 4.13% | 1.85% | 2.50% | 5.30% | 2.34% |
| Q2 2024 | 4.26% | 2.01% | 2.50% | 5.48% | 2.36% |
| Q3 2024 | 4.42% | 2.18% | 2.52% | 5.68% | 2.40% |
| Q4 2024 | 4.48% | 2.03% | 2.70% | 5.72% | 2.40% |
| Q1 2025 | 4.45% | 1.87% | 2.77% | 5.67% | 2.41% |
| Q2 2025 | 4.66% | 1.93% | 2.93% | 5.96% | 2.41% |
| Q3 2025 | 4.84% | 1.96% | 3.09% | 6.17% | 2.49% |
| Q4 2025 | 4.90% | 1.89% | 3.22% | 6.30% | 2.52% |
| Q1 2026 | 4.77% | 1.80% | 3.16% | 6.19% | 2.58% |
| Q2 2026 | 4.84% | 1.84% | 3.20% | 6.29% | 2.69% |
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 15908) · FFIEC NIC profile (RSSD 865759)