Breda Savings 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.19 percentage points between Q1 2026 and Q2 2026, to 3.06%. Breda Savings Bank ranks 178th of 225 Iowa banks on net interest margin, in the lower half at 3.15% (Q2 2026). Breda Savings Bank reported 3.15% on net interest margin for Q2 2026, 0.80 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.14% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.49% |
| Cost of interest-bearing deposits | 2.68% |
| Cost of interest-bearing liabilities | 2.86% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $904K |
| Total interest expense | $534K |
| Interest expense on deposits | $425K |
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 | 4.83% | 2.56% | 2.75% |
| Q4 2023 | 5.27% | 3.17% | 2.71% |
| Q1 2024 | 5.41% | 3.16% | 2.83% |
| Q2 2024 | 5.49% | 2.90% | 3.06% |
| Q3 2024 | 5.47% | 2.97% | 2.98% |
| Q4 2024 | 5.87% | 3.21% | 3.26% |
| Q1 2025 | 5.30% | 2.33% | 3.03% |
| Q2 2025 | 5.33% | 2.32% | 3.10% |
| Q3 2025 | 5.90% | 2.36% | 3.63% |
| Q4 2025 | 5.35% | 2.28% | 3.27% |
| Q1 2026 | 5.03% | 2.48% | 3.09% |
| Q2 2026 | 5.14% | 2.49% | 3.15% |
Breda Savings 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 Breda Savings 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 Breda Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5792) · FFIEC NIC profile (RSSD 856542)