Availa 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, Total interest expense rose 3.1% in Q2 2026 to $8.6M, the biggest move on this page. Availa Bank ranks 190th of 225 Iowa banks on net interest margin, in the lower half at 3.03% (Q2 2026). Availa Bank reported 3.03% on net interest margin for Q2 2026, 0.68 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 5.96% |
| Yield on securities | 2.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.03% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.9M |
| Total interest expense | $8.6M |
| Interest expense on deposits | $7.2M |
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 | 4.39% | 1.71% | 2.51% | 5.20% | 2.55% |
| Q4 2023 | 4.59% | 2.07% | 2.33% | 5.37% | 2.54% |
| Q1 2024 | 4.58% | 2.14% | 2.25% | 5.45% | 2.37% |
| Q2 2024 | 4.68% | 2.20% | 2.29% | 5.56% | 2.38% |
| Q3 2024 | 4.77% | 2.28% | 2.29% | 5.68% | 2.40% |
| Q4 2024 | 4.75% | 2.10% | 2.44% | 5.64% | 2.44% |
| Q1 2025 | 4.72% | 1.91% | 2.61% | 5.60% | 2.44% |
| Q2 2025 | 4.88% | 2.26% | 2.76% | 5.78% | 2.47% |
| Q3 2025 | 4.99% | 2.32% | 2.81% | 5.92% | 2.47% |
| Q4 2025 | 5.14% | 2.21% | 3.07% | 6.15% | 2.51% |
| Q1 2026 | 4.94% | 2.16% | 2.92% | 5.81% | 2.52% |
| Q2 2026 | 5.08% | 2.18% | 3.03% | 5.96% | 2.60% |
Availa 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 Availa 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 Availa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11771) · FFIEC NIC profile (RSSD 859141)