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.
Compared with Q1 2026, Net interest margin rose 0.34 percentage points in Q2 2026 to 3.68%, the biggest move on this page. American State Bank ranks 109th of 225 Iowa banks on net interest margin, in the upper half at 3.68% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; American State Bank reported 3.68% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | 6.20% |
| Yield on securities | 4.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 2.89% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.7M |
| Total interest expense | $8.5M |
| Interest expense on deposits | $8.0M |
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% | 2.85% | 2.59% | 5.40% | 1.39% |
| Q4 2023 | 5.27% | 2.88% | 2.58% | 5.44% | 1.42% |
| Q1 2024 | 5.37% | 3.02% | 2.56% | 5.53% | 1.61% |
| Q2 2024 | 5.68% | 3.22% | 2.70% | 5.76% | 2.19% |
| Q3 2024 | 5.76% | 3.36% | 2.66% | 5.84% | 2.43% |
| Q4 2024 | 5.66% | 3.20% | 2.68% | 5.75% | 3.19% |
| Q1 2025 | 5.52% | 2.97% | 2.79% | 5.64% | 3.97% |
| Q2 2025 | 5.74% | 2.92% | 3.03% | 5.80% | 4.11% |
| Q3 2025 | 5.89% | 2.89% | 3.20% | 5.94% | 4.18% |
| Q4 2025 | 5.73% | 2.92% | 3.12% | 5.82% | 3.58% |
| Q1 2026 | 5.78% | 2.62% | 3.34% | 5.86% | 3.86% |
| Q2 2026 | 6.10% | 2.60% | 3.68% | 6.20% | 4.13% |
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 228) · FFIEC NIC profile (RSSD 735441)