The Valley 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 0.19 percentage points between Q1 2026 and Q2 2026, to 3.37%. Within Kansas, The Valley State Bank is 71st of 182 on net interest margin, 4.11% as of Q2 2026. The Valley State Bank reported 4.11% on net interest margin for Q2 2026, 0.17 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 7.17% |
| Yield on securities | 3.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.83% |
| Cost of borrowings | 2.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $668K |
| Interest expense on deposits | $653K |
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 | 4.57% | 1.39% | 3.20% | 6.49% | 1.97% |
| Q4 2023 | 4.72% | 1.43% | 3.30% | 6.59% | 2.01% |
| Q1 2024 | 4.82% | 1.36% | 3.43% | 6.62% | 2.25% |
| Q2 2024 | 4.95% | 1.45% | 3.47% | 6.72% | 2.46% |
| Q3 2024 | 5.11% | 1.47% | 3.63% | 7.04% | 2.36% |
| Q4 2024 | 5.29% | 1.57% | 3.73% | 7.18% | 2.62% |
| Q1 2025 | 5.28% | 1.46% | 3.82% | 7.13% | 2.80% |
| Q2 2025 | 5.45% | 1.44% | 4.05% | 7.33% | 3.01% |
| Q3 2025 | 5.62% | 1.42% | 4.22% | 7.56% | 3.04% |
| Q4 2025 | 5.63% | 1.46% | 4.25% | 7.51% | 3.07% |
| Q1 2026 | 5.41% | 1.54% | 4.04% | 7.16% | 3.18% |
| Q2 2026 | 5.46% | 1.51% | 4.11% | 7.17% | 3.37% |
The Valley 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 Valley 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 Valley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15038) · FFIEC NIC profile (RSSD 1005552)