Bank Iowa: 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 3.67%. Bank Iowa ranks 113th of 225 Iowa banks on net interest margin, in the lower half at 3.67% (Q2 2026). At 3.67%, Bank Iowa's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $28.4M |
| Total interest expense | $11.4M |
| Interest expense on deposits | $10.1M |
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 |
|---|---|---|---|
| Q3 2023 | 4.86% | 2.24% | 2.86% |
| Q4 2023 | 5.03% | 2.42% | 2.88% |
| Q1 2024 | 5.15% | 2.55% | 2.86% |
| Q2 2024 | 5.28% | 2.73% | 2.84% |
| Q3 2024 | 5.81% | 2.87% | 3.23% |
| Q4 2024 | 5.34% | 2.65% | 2.97% |
| Q1 2025 | 5.51% | 2.43% | 3.33% |
| Q2 2025 | 5.41% | 2.41% | 3.25% |
| Q3 2025 | 5.55% | 2.42% | 3.37% |
| Q4 2025 | 5.60% | 2.36% | 3.48% |
| Q1 2026 | 5.52% | 2.19% | 3.55% |
| Q2 2026 | 5.60% | 2.17% | 3.67% |
Bank Iowa yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Iowa, 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 Bank Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14521) · FFIEC NIC profile (RSSD 187947)