City State 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, Net interest margin rose 0.19 percentage points in Q2 2026 to 3.26%, the biggest move on this page. City State Bank ranks 164th of 225 Iowa banks on net interest margin, in the lower half at 3.26% (Q2 2026). City State Bank reported 3.26% on net interest margin for Q2 2026, 0.69 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 5.96% |
| Yield on securities | 3.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 2.94% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 3.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.8M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $4.1M |
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 | 4.72% | 2.33% | 2.52% | 5.08% | 3.21% |
| Q4 2023 | 4.95% | 2.48% | 2.63% | 5.25% | 3.30% |
| Q1 2024 | 4.95% | 2.64% | 2.48% | 5.32% | 3.27% |
| Q2 2024 | 5.18% | 2.71% | 2.66% | 5.48% | 3.39% |
| Q3 2024 | 5.28% | 2.77% | 2.71% | 5.68% | 3.38% |
| Q4 2024 | 5.31% | 2.59% | 2.93% | 5.73% | 3.38% |
| Q1 2025 | 5.10% | 2.47% | 2.81% | 5.59% | 3.37% |
| Q2 2025 | 5.31% | 2.45% | 3.05% | 5.75% | 3.43% |
| Q3 2025 | 5.54% | 2.50% | 3.26% | 5.97% | 3.54% |
| Q4 2025 | 5.43% | 2.46% | 3.17% | 5.93% | 3.59% |
| Q1 2026 | 5.21% | 2.34% | 3.07% | 5.86% | 3.49% |
| Q2 2026 | 5.42% | 2.36% | 3.26% | 5.96% | 3.61% |
City State 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 City State 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 City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14410) · FFIEC NIC profile (RSSD 252041)