Charter 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 Cost of borrowings: 15.71 percentage points lower than in Q1 2026, at 14.14%. Charter Bank ranks 115th of 225 Iowa banks on net interest margin, in the lower half at 3.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Charter Bank sits 0.29 points lower, at 3.66% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | 6.18% |
| Yield on securities | 2.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 14.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 2.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $920K |
| Interest expense on deposits | $913K |
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 | 4.01% | 1.50% | 2.63% | 5.15% | 1.70% |
| Q4 2023 | 4.14% | 1.70% | 2.58% | 5.29% | 1.71% |
| Q1 2024 | 4.29% | 1.77% | 2.69% | 5.46% | 1.70% |
| Q2 2024 | 4.56% | 1.80% | 2.94% | 5.69% | 1.84% |
| Q3 2024 | 4.70% | 1.90% | 3.00% | 5.85% | 1.86% |
| Q4 2024 | 4.78% | 1.94% | 3.04% | 5.88% | 1.90% |
| Q1 2025 | 4.75% | 1.78% | 3.10% | 5.75% | 1.95% |
| Q2 2025 | 5.03% | 1.72% | 3.43% | 6.06% | 2.04% |
| Q3 2025 | 5.23% | 1.74% | 3.58% | 6.08% | 2.37% |
| Q4 2025 | 5.17% | 1.79% | 3.51% | 6.09% | 2.33% |
| Q1 2026 | 5.19% | 1.77% | 3.57% | 6.09% | 2.46% |
| Q2 2026 | 5.32% | 1.81% | 3.66% | 6.18% | 2.67% |
Charter 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 Charter 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 Charter Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34686) · FFIEC NIC profile (RSSD 2705112)