Vintage Bank Kansas: 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.
Compared with Q1 2026, Cost of borrowings fell 0.26 percentage points in Q2 2026 to 3.62%, the biggest move on this page. Within Kansas, Vintage Bank Kansas is 48th of 182 on net interest margin, 4.37% as of Q2 2026, above the middle of the field. Vintage Bank Kansas reported 4.37% on net interest margin for Q2 2026, 0.42 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 7.31% |
| Yield on securities | 2.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.37% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $808K |
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 | 4.81% | 1.32% | 3.55% | 6.18% | 2.69% |
| Q4 2023 | 5.13% | 1.55% | 3.66% | 6.53% | 2.73% |
| Q1 2024 | 5.28% | 1.74% | 3.63% | 6.63% | 2.79% |
| Q2 2024 | 5.40% | 2.02% | 3.51% | 6.81% | 2.80% |
| Q3 2024 | 5.70% | 2.03% | 3.83% | 7.19% | 2.86% |
| Q4 2024 | 5.73% | 2.02% | 3.86% | 7.22% | 2.94% |
| Q1 2025 | 5.74% | 1.88% | 3.98% | 7.16% | 2.98% |
| Q2 2025 | 5.83% | 1.92% | 4.02% | 7.28% | 2.99% |
| Q3 2025 | 5.78% | 1.86% | 4.07% | 7.41% | 2.73% |
| Q4 2025 | 5.95% | 1.88% | 4.23% | 7.48% | 2.96% |
| Q1 2026 | 5.86% | 1.73% | 4.26% | 7.21% | 2.96% |
| Q2 2026 | 5.95% | 1.69% | 4.37% | 7.31% | 2.98% |
Vintage Bank Kansas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vintage Bank Kansas, 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 Vintage Bank Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17927) · FFIEC NIC profile (RSSD 45458)