Community Bank of Oelwein: 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 Q2 2026, Net interest margin rose 0.21 percentage points in Q3 2026 to 3.45%, the biggest move on this page. Within Iowa, Community Bank of Oelwein is 145th of 225 on net interest margin, 3.45% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Community Bank of Oelwein sits 0.44 points lower, at 3.45% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.30% |
| Yield on securities | 3.56% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 4.30% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $969K |
| Total interest expense | $451K |
| Interest expense on deposits | $396K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.82% | 2.57% | 2.41% | 5.42% | 3.64% |
| Q1 2024 | 4.88% | 2.79% | 2.28% | 5.51% | 3.50% |
| Q2 2024 | 4.94% | 2.92% | 2.22% | 5.71% | 3.35% |
| Q3 2024 | 5.16% | 2.99% | 2.38% | 5.88% | 3.56% |
| Q4 2024 | 4.70% | 2.99% | 1.94% | 6.03% | 1.16% |
| Q1 2025 | 5.07% | 2.91% | 2.43% | 5.80% | 3.38% |
| Q2 2025 | 5.17% | 2.71% | 2.72% | 5.94% | 3.32% |
| Q3 2025 | 5.36% | 2.68% | 2.88% | 6.12% | 3.55% |
| Q4 2025 | 5.32% | 2.60% | 2.92% | 6.13% | 3.52% |
| Q1 2026 | 5.31% | 2.47% | 3.05% | 6.10% | 3.53% |
| Q2 2026 | 5.29% | 2.29% | 3.24% | 6.19% | 3.34% |
| Q3 2026 | 5.48% | 2.25% | 3.45% | 6.30% | 3.56% |
Community Bank of Oelwein yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Oelwein, 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 Community Bank of Oelwein profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34857) · FFIEC NIC profile (RSSD 2702764)