Cedar Rapids Bank and Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.54 percentage points to 7.04%. Cedar Rapids Bank and Trust Company ranks 58th of 225 Iowa banks on net interest margin, in the upper half at 3.96% (Q2 2026). Cedar Rapids Bank and Trust Company reported 3.96% on net interest margin for Q2 2026, 0.25 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 5.96% |
| Yield on securities | 7.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $28.7M |
| Total interest expense | $12.6M |
| Interest expense on deposits | $10.9M |
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 | 5.15% | 3.01% | 3.04% | 5.90% | 3.18% |
| Q4 2023 | 5.73% | 3.04% | 3.38% | 6.05% | 4.11% |
| Q1 2024 | 6.01% | 3.14% | 3.41% | 6.35% | 4.50% |
| Q2 2024 | 5.86% | 3.05% | 3.26% | 6.18% | 4.39% |
| Q3 2024 | 6.05% | 3.13% | 3.38% | 6.40% | 4.93% |
| Q4 2024 | 5.83% | 2.83% | 3.45% | 6.16% | 5.53% |
| Q1 2025 | 5.98% | 2.63% | 3.77% | 6.24% | 6.54% |
| Q2 2025 | 6.04% | 2.66% | 3.80% | 6.23% | 6.87% |
| Q3 2025 | 6.17% | 2.74% | 3.86% | 6.39% | 6.75% |
| Q4 2025 | 6.05% | 2.58% | 3.90% | 6.25% | 6.91% |
| Q1 2026 | 5.90% | 2.31% | 3.88% | 5.88% | 6.50% |
| Q2 2026 | 5.98% | 2.32% | 3.96% | 5.96% | 7.04% |
Cedar Rapids Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Rapids Bank and Trust Company, 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 Cedar Rapids Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57244) · FFIEC NIC profile (RSSD 3029589)