Cedar Valley 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 interest-bearing deposits climbed 1.13 percentage points in Q2 2026, from 1.43% to 2.56%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Cedar Valley Bank & Trust ranks 17th highest among the 225 banks headquartered in Iowa, at 4.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Cedar Valley Bank & Trust sits 0.33 points higher, at 4.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.08% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.11% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $484K |
| Interest expense on deposits | $588K |
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 | 4.89% | 1.77% | 3.21% | 5.04% | 2.02% |
| Q4 2023 | 5.03% | 2.02% | 3.12% | 5.20% | 2.00% |
| Q1 2024 | 5.15% | 1.76% | 3.37% | 5.37% | 1.95% |
| Q2 2024 | 5.30% | 1.86% | 3.57% | 5.46% | 2.15% |
| Q3 2024 | 5.55% | 2.08% | 3.80% | 5.75% | 1.98% |
| Q4 2024 | 5.64% | 1.81% | 3.95% | 5.83% | 2.01% |
| Q1 2025 | 5.54% | 1.77% | 3.90% | 5.77% | 2.04% |
| Q2 2025 | 5.76% | 1.77% | 4.12% | 5.99% | 2.50% |
| Q3 2025 | 5.80% | 1.80% | 4.13% | 5.99% | 2.88% |
| Q4 2025 | 5.86% | 1.67% | 4.35% | 6.04% | 2.98% |
| Q1 2026 | 5.87% | 1.72% | 4.45% | 6.06% | 3.02% |
| Q2 2026 | 5.86% | 1.71% | 4.27% | 6.08% | 3.21% |
Cedar Valley 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 Cedar Valley 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 Cedar Valley Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14694) · FFIEC NIC profile (RSSD 1014246)