United Farmers 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, Cost of borrowings edged down by 0.24 percentage points, from 4.22% to 3.98%, the largest move among the key lines here. Within Minnesota, United Farmers State Bank is 122nd of 221 on net interest margin, 3.88% 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; United Farmers State Bank reported 3.88% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.22% |
| Yield on securities | 2.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $881K |
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 | 4.75% | 1.39% | 3.49% | 5.01% | 2.00% |
| Q4 2023 | 4.99% | 1.55% | 3.57% | 5.29% | 2.02% |
| Q1 2024 | 5.19% | 1.65% | 3.66% | 5.49% | 2.08% |
| Q2 2024 | 5.36% | 1.99% | 3.51% | 5.67% | 2.08% |
| Q3 2024 | 5.56% | 2.24% | 3.46% | 5.84% | 2.10% |
| Q4 2024 | 5.62% | 2.24% | 3.55% | 5.92% | 2.11% |
| Q1 2025 | 5.63% | 2.19% | 3.60% | 5.90% | 2.10% |
| Q2 2025 | 5.80% | 2.30% | 3.65% | 6.08% | 2.14% |
| Q3 2025 | 5.88% | 2.37% | 3.67% | 6.22% | 2.12% |
| Q4 2025 | 5.91% | 2.37% | 3.72% | 6.28% | 2.10% |
| Q1 2026 | 5.97% | 2.21% | 3.91% | 6.19% | 2.10% |
| Q2 2026 | 5.93% | 2.21% | 3.88% | 6.22% | 2.11% |
United Farmers 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 United Farmers 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 United Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8821) · FFIEC NIC profile (RSSD 328656)