Capra 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 standout move of Q2 2026 was in Total interest expense: 7.9% higher than in Q1 2026, at $8.1M. Within Iowa, Capra Bank is 173rd of 225 on net interest margin, 3.18% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Capra Bank sits 0.53 points lower, at 3.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 6.91% |
| Yield on securities | 5.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.80% |
| Cost of interest-bearing deposits | 2.82% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 3.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.18% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.1M |
| Total interest expense | $8.1M |
| Interest expense on deposits | $7.0M |
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 | 5.96% | 2.31% | 3.72% | 7.87% | 5.49% |
| Q4 2023 | 6.38% | 2.82% | 3.79% | 8.05% | 6.00% |
| Q1 2024 | 6.70% | 3.01% | 4.08% | 9.09% | 6.05% |
| Q2 2024 | 6.96% | 3.25% | 4.26% | 8.64% | 6.24% |
| Q3 2024 | 7.07% | 3.65% | 3.88% | 9.00% | 6.24% |
| Q4 2024 | 6.78% | 3.57% | 3.61% | 8.44% | 6.01% |
| Q1 2025 | 6.65% | 3.29% | 3.60% | 7.46% | 6.22% |
| Q2 2025 | 6.46% | 3.29% | 3.35% | 7.34% | 5.81% |
| Q3 2025 | 6.41% | 3.32% | 3.25% | 7.36% | 5.67% |
| Q4 2025 | 6.13% | 2.98% | 3.25% | 7.21% | 5.47% |
| Q1 2026 | 5.78% | 2.77% | 3.09% | 6.89% | 5.03% |
| Q2 2026 | 5.84% | 2.80% | 3.18% | 6.91% | 5.09% |
Capra 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 Capra 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 Capra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16363) · FFIEC NIC profile (RSSD 1013744)