Central 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.
Compared with Q1 2026, Yield on securities rose 0.61 percentage points in Q2 2026 to 4.11%, the biggest move on this page. Central Bank ranks 121st of 225 Iowa banks on net interest margin, in the lower half at 3.63% (Q2 2026). At 3.63%, Central Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.76% |
| Yield on loans | 5.85% |
| Yield on securities | 4.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 4.39% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.2M |
| Total interest expense | $11.5M |
| Interest expense on deposits | $9.9M |
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 | 5.40% | 2.59% | 2.94% | 5.54% | 3.11% |
| Q4 2023 | 5.32% | 2.78% | 2.68% | 5.47% | 3.02% |
| Q1 2024 | 5.28% | 2.81% | 2.52% | 5.43% | 2.89% |
| Q2 2024 | 5.54% | 2.86% | 2.70% | 5.62% | 2.99% |
| Q3 2024 | 5.66% | 3.15% | 2.78% | 5.80% | 3.06% |
| Q4 2024 | 5.51% | 3.02% | 2.83% | 5.66% | 3.11% |
| Q1 2025 | 5.37% | 2.82% | 2.88% | 5.52% | 3.14% |
| Q2 2025 | 5.60% | 2.74% | 3.19% | 5.73% | 3.26% |
| Q3 2025 | 5.72% | 2.86% | 3.33% | 5.91% | 3.41% |
| Q4 2025 | 5.69% | 2.66% | 3.46% | 5.89% | 3.58% |
| Q1 2026 | 5.54% | 2.48% | 3.47% | 5.69% | 3.50% |
| Q2 2026 | 5.76% | 2.25% | 3.63% | 5.85% | 4.11% |
Central 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 Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15555) · FFIEC NIC profile (RSSD 546544)