The Clinton National 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 3.8% to $1.2M. The Clinton National Bank has the 22nd lowest net interest margin of the 225 banks headquartered in Iowa, at 2.90% as of Q2 2026. The Clinton National Bank reported 2.90% on net interest margin for Q2 2026, 1.05 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.06% |
| Yield on loans | 5.57% |
| Yield on securities | 1.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | 1.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.90% |
| Yield to cost spread | 2.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 3.15% | 1.26% | 2.03% | 4.76% | 1.37% |
| Q4 2023 | 3.32% | 1.39% | 2.08% | 4.83% | 1.38% |
| Q1 2024 | 3.45% | 1.65% | 1.98% | 5.02% | 1.39% |
| Q2 2024 | 3.52% | 1.75% | 1.96% | 5.15% | 1.40% |
| Q3 2024 | 4.76% | 1.70% | 3.26% | 7.34% | 1.40% |
| Q4 2024 | 3.88% | 1.77% | 2.32% | 5.45% | 1.53% |
| Q1 2025 | 3.83% | 1.61% | 2.40% | 5.51% | 1.58% |
| Q2 2025 | 4.00% | 1.60% | 2.58% | 5.81% | 1.59% |
| Q3 2025 | 4.05% | 1.52% | 2.71% | 5.73% | 1.61% |
| Q4 2025 | 4.06% | 1.48% | 2.76% | 5.60% | 1.64% |
| Q1 2026 | 3.97% | 1.37% | 2.77% | 5.48% | 1.71% |
| Q2 2026 | 4.06% | 1.32% | 2.90% | 5.57% | 1.77% |
The Clinton National 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 The Clinton National 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 The Clinton National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4439) · FFIEC NIC profile (RSSD 773443)