Atkins Savings Bank & Trust: 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.
In Q2 2026, Total interest expense edged up by 1.5%, from $1.0M to $1.0M, the largest move among the key lines here. Within Iowa, Atkins Savings Bank & Trust is 189th of 225 on net interest margin, 3.06% as of Q2 2026, below the middle of the field. Atkins Savings Bank & Trust reported 3.06% on net interest margin for Q2 2026, 0.89 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.35% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.74% |
| Cost of interest-bearing deposits | 3.06% |
| Cost of interest-bearing liabilities | 3.13% |
| Cost of borrowings | 4.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.06% |
| Yield to cost spread | 2.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $956K |
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 | 4.52% | 2.45% | 2.48% | 5.54% | 2.74% |
| Q4 2023 | 4.67% | 2.77% | 2.34% | 5.66% | 2.85% |
| Q1 2024 | 4.78% | 2.99% | 2.25% | 5.77% | 2.92% |
| Q2 2024 | 4.83% | 3.13% | 2.13% | 5.78% | 2.96% |
| Q3 2024 | 5.02% | 3.18% | 2.28% | 6.04% | 2.97% |
| Q4 2024 | 5.10% | 3.06% | 2.46% | 6.12% | 2.95% |
| Q1 2025 | 5.28% | 2.94% | 2.74% | 6.29% | 3.20% |
| Q2 2025 | 5.27% | 2.92% | 2.75% | 6.28% | 3.14% |
| Q3 2025 | 5.28% | 2.89% | 2.77% | 6.34% | 3.17% |
| Q4 2025 | 5.39% | 2.89% | 2.95% | 6.40% | 3.22% |
| Q1 2026 | 5.38% | 2.69% | 3.00% | 6.28% | 3.19% |
| Q2 2026 | 5.46% | 2.74% | 3.06% | 6.35% | 3.14% |
Atkins Savings Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Atkins Savings Bank & Trust, 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 Atkins Savings Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9096) · FFIEC NIC profile (RSSD 739346)