The Walton 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: Net interest margin edged down 0.12 percentage points between Q1 2026 and Q2 2026, to 4.36%. The Walton State Bank ranks 49th of 182 Kansas banks on net interest margin, in the upper half at 4.36% (Q2 2026). The Walton State Bank reported 4.36% on net interest margin for Q2 2026, 0.49 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.87% |
| Yield on loans | 7.58% |
| Yield on securities | 4.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.58% |
| Cost of interest-bearing deposits | 1.18% |
| Cost of interest-bearing liabilities | 1.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.36% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $60K |
| Total interest expense | $14K |
| Interest expense on deposits | $14K |
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 | 2.53% | -0.30% | 2.32% | 3.33% | 1.13% |
| Q4 2023 | 6.25% | 0.45% | 5.74% | 7.13% | 6.99% |
| Q1 2024 | 5.56% | 0.59% | 4.91% | 7.14% | 4.82% |
| Q2 2024 | 5.44% | 2.16% | 3.43% | 7.23% | 4.72% |
| Q3 2024 | 5.23% | 2.29% | 3.19% | 7.09% | 4.40% |
| Q4 2024 | 5.27% | 2.37% | 3.14% | 7.70% | 4.47% |
| Q1 2025 | 5.05% | 1.48% | 3.31% | 7.67% | 4.27% |
| Q2 2025 | 5.10% | 1.01% | 4.20% | 7.18% | 4.19% |
| Q3 2025 | 5.76% | 0.77% | 5.09% | 8.88% | 4.20% |
| Q4 2025 | 5.96% | 0.82% | 5.20% | 8.25% | 4.43% |
| Q1 2026 | 5.10% | 0.70% | 4.48% | 7.59% | 4.08% |
| Q2 2026 | 4.87% | 0.58% | 4.36% | 7.58% | 4.10% |
The Walton 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 Walton 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 Walton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17982) · FFIEC NIC profile (RSSD 490955)