Cornerstone 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 Yield on securities, which rose 0.56 percentage points to 2.79%. Within Iowa, Cornerstone Bank is 33rd of 225 on net interest margin, 4.14% as of Q2 2026. Cornerstone Bank reported 4.14% on net interest margin for Q2 2026, 0.26 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 7.31% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.14% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $486K |
| Total interest expense | $180K |
| Interest expense on deposits | $180K |
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 | 4.76% | 2.17% | 2.81% | 6.39% | 1.65% |
| Q4 2023 | 4.83% | 3.02% | 2.26% | 6.47% | 1.59% |
| Q1 2024 | 4.87% | 3.03% | 2.33% | 6.65% | 1.65% |
| Q2 2024 | 4.39% | 2.85% | 1.93% | 5.87% | 1.27% |
| Q3 2024 | 5.40% | 2.89% | 2.83% | 7.10% | 1.52% |
| Q4 2024 | 5.46% | 2.72% | 3.06% | 7.01% | 1.44% |
| Q1 2025 | 5.98% | 2.39% | 3.90% | 7.82% | 1.62% |
| Q2 2025 | 5.69% | 2.27% | 3.65% | 7.28% | 1.78% |
| Q3 2025 | 5.75% | 2.62% | 3.45% | 7.43% | 1.96% |
| Q4 2025 | 5.83% | 2.27% | 3.85% | 7.46% | 2.05% |
| Q1 2026 | 5.80% | 2.07% | 3.93% | 7.31% | 2.23% |
| Q2 2026 | 5.90% | 1.97% | 4.14% | 7.31% | 2.79% |
Cornerstone 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 Cornerstone 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 Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30067) · FFIEC NIC profile (RSSD 843476)