Bellevue 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.
Cost of borrowings dropped 2.64 percentage points in Q2 2026, from 6.25% to 3.61%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Bellevue State Bank is 80th of 225 on net interest margin, 3.81% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Bellevue State Bank sits 0.13 points lower, at 3.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 6.59% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $812K |
| Interest expense on deposits | $768K |
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 | 4.65% | 1.63% | 3.24% | 5.44% | 1.85% |
| Q4 2023 | 4.83% | 1.88% | 3.19% | 5.60% | 1.88% |
| Q1 2024 | 5.06% | 2.07% | 3.24% | 5.81% | 1.89% |
| Q2 2024 | 5.14% | 2.17% | 3.26% | 5.92% | 1.85% |
| Q3 2024 | 5.30% | 2.36% | 3.27% | 6.13% | 1.85% |
| Q4 2024 | 5.32% | 2.29% | 3.26% | 6.13% | 1.91% |
| Q1 2025 | 5.11% | 2.06% | 3.30% | 6.00% | 2.02% |
| Q2 2025 | 5.16% | 2.10% | 3.34% | 6.11% | 2.26% |
| Q3 2025 | 5.29% | 2.11% | 3.49% | 6.25% | 2.50% |
| Q4 2025 | 5.44% | 2.11% | 3.57% | 6.38% | 2.63% |
| Q1 2026 | 5.44% | 2.09% | 3.62% | 6.42% | 2.86% |
| Q2 2026 | 5.56% | 2.05% | 3.81% | 6.59% | 3.05% |
Bellevue 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 Bellevue 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 Bellevue State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14415) · FFIEC NIC profile (RSSD 178244)