CBI Bank & Trust: 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 fell 0.25 percentage points from Q1 2026 to Q2 2026, ending at 2.79% against 3.04%. It was the largest change among the key lines on this page. CBI Bank & Trust ranks 40th of 225 Iowa banks on net interest margin, in the upper half at 4.09% (Q2 2026). CBI Bank & Trust reported 4.09% on net interest margin for Q2 2026, 0.38 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 6.10% |
| Yield on securities | 3.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.16% |
| Cost of interest-bearing deposits | 1.60% |
| Cost of interest-bearing liabilities | 1.59% |
| Cost of borrowings | 2.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.4M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.6M |
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 | 4.59% | 1.13% | 3.35% | 5.48% | 2.40% |
| Q4 2023 | 4.82% | 1.31% | 3.57% | 5.57% | 2.89% |
| Q1 2024 | 5.36% | 1.44% | 3.94% | 6.17% | 3.14% |
| Q2 2024 | 5.52% | 1.59% | 3.95% | 6.38% | 3.19% |
| Q3 2024 | 4.44% | 1.59% | 2.86% | 4.86% | 3.25% |
| Q4 2024 | 5.63% | 1.47% | 4.17% | 6.49% | 3.25% |
| Q1 2025 | 5.24% | 1.40% | 3.86% | 5.99% | 3.28% |
| Q2 2025 | 5.33% | 1.42% | 3.97% | 6.15% | 3.31% |
| Q3 2025 | 5.46% | 1.25% | 4.11% | 6.35% | 3.39% |
| Q4 2025 | 5.44% | 1.25% | 4.08% | 6.30% | 3.37% |
| Q1 2026 | 5.34% | 1.16% | 4.08% | 6.12% | 3.38% |
| Q2 2026 | 5.35% | 1.16% | 4.09% | 6.10% | 3.46% |
CBI Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock CBI Bank & Trust, 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 CBI Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1552) · FFIEC NIC profile (RSSD 830542)