American 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.
Total interest expense rose 3.9% from Q1 2026 to Q2 2026, ending at $1.6M against $1.6M. It was the largest change among the key lines on this page. On net interest margin, American State Bank ranks 18th highest among the 225 banks headquartered in Iowa, at 4.27% (Q2 2026). American State Bank reported 4.27% on net interest margin for Q2 2026, 0.32 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.17% |
| Yield on loans | 7.20% |
| Yield on securities | 3.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.3M |
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 | 5.17% | 1.43% | 3.81% | 5.98% | 3.00% |
| Q4 2023 | 5.57% | 1.84% | 3.87% | 6.40% | 2.88% |
| Q1 2024 | 5.44% | 1.86% | 3.73% | 6.44% | 2.93% |
| Q2 2024 | 5.75% | 1.91% | 3.98% | 6.77% | 2.98% |
| Q3 2024 | 5.93% | 2.11% | 3.99% | 6.98% | 2.96% |
| Q4 2024 | 5.94% | 2.30% | 3.85% | 6.95% | 2.98% |
| Q1 2025 | 5.86% | 2.05% | 3.93% | 6.83% | 2.99% |
| Q2 2025 | 6.12% | 2.05% | 4.21% | 7.13% | 3.12% |
| Q3 2025 | 6.16% | 2.14% | 4.17% | 7.19% | 3.09% |
| Q4 2025 | 6.10% | 2.11% | 4.14% | 7.20% | 3.12% |
| Q1 2026 | 6.03% | 2.03% | 4.14% | 7.02% | 3.21% |
| Q2 2026 | 6.17% | 2.04% | 4.27% | 7.20% | 3.39% |
American 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 American 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 American State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26944) · FFIEC NIC profile (RSSD 276645)