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.
Cost of interest-bearing deposits fell 0.26 percentage points from Q1 2026 to Q2 2026, ending at 1.87% against 2.13%. It was the largest change among the key lines on this page. Within Kansas, Union State Bank is 154th of 182 on net interest margin, 3.33% as of Q2 2026. Union State Bank reported 3.33% on net interest margin for Q2 2026, 0.54 points below the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 7.20% |
| Yield on securities | 2.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $346K |
| Total interest expense | $161K |
| Interest expense on deposits | $161K |
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 | 4.25% | 1.07% | 3.24% | 5.93% | 2.35% |
| Q4 2023 | 4.36% | 1.15% | 3.24% | 6.02% | 2.30% |
| Q1 2024 | 4.53% | 1.38% | 3.17% | 6.32% | 2.26% |
| Q2 2024 | 4.62% | 1.57% | 3.19% | 6.44% | 2.38% |
| Q3 2024 | 4.75% | 1.66% | 3.22% | 6.74% | 2.28% |
| Q4 2024 | 4.86% | 1.68% | 3.35% | 6.72% | 2.58% |
| Q1 2025 | 4.85% | 1.64% | 3.34% | 6.74% | 2.56% |
| Q2 2025 | 4.83% | 1.41% | 3.29% | 6.94% | 2.19% |
| Q3 2025 | 4.90% | 1.81% | 3.27% | 7.04% | 2.20% |
| Q4 2025 | 4.87% | 1.79% | 3.26% | 7.01% | 2.51% |
| Q1 2026 | 4.92% | 1.65% | 3.41% | 6.95% | 2.44% |
| Q2 2026 | 4.82% | 1.87% | 3.33% | 7.20% | 2.32% |
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 15098) · FFIEC NIC profile (RSSD 866251)