Audubon 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.
Net interest margin rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 4.46% against 4.16%. It was the largest change among the key lines on this page. On net interest margin, Audubon State Bank ranks 13th highest among the 225 banks headquartered in Iowa, at 4.46% (Q2 2026). Audubon State Bank reported 4.46% on net interest margin for Q2 2026, 0.52 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.03% |
| Yield on loans | 6.60% |
| Yield on securities | 3.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 1.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.46% |
| Yield to cost spread | 4.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $595K |
| Interest expense on deposits | $575K |
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 | 5.14% | 1.39% | 3.77% | 5.84% | 0.55% |
| Q4 2023 | 5.35% | 1.60% | 3.79% | 6.07% | 0.61% |
| Q1 2024 | 5.22% | 1.71% | 3.58% | 6.05% | 0.59% |
| Q2 2024 | 5.46% | 1.86% | 3.72% | 6.14% | 0.90% |
| Q3 2024 | 5.78% | 1.95% | 3.94% | 6.48% | 0.99% |
| Q4 2024 | 5.74% | 2.01% | 3.84% | 6.43% | 1.45% |
| Q1 2025 | 5.44% | 1.95% | 3.53% | 6.24% | 2.12% |
| Q2 2025 | 5.94% | 1.82% | 4.09% | 6.55% | 2.60% |
| Q3 2025 | 6.21% | 1.78% | 4.47% | 6.73% | 2.99% |
| Q4 2025 | 6.17% | 1.81% | 4.46% | 6.70% | 3.37% |
| Q1 2026 | 5.74% | 1.65% | 4.16% | 6.47% | 3.42% |
| Q2 2026 | 6.03% | 1.67% | 4.46% | 6.60% | 3.80% |
Audubon 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 Audubon 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 Audubon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5814) · FFIEC NIC profile (RSSD 760649)