Crawford County Trust and Savings 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 biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged down 0.24 percentage points between Q1 2026 and Q2 2026, to 3.57%. Within Iowa, Crawford County Trust and Savings Bank is 92nd of 225 on net interest margin, 3.76% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Crawford County Trust and Savings Bank sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.18% |
| Yield on loans | 6.02% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | 3.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $976K |
| Interest expense on deposits | $967K |
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 | 4.35% | 1.12% | 3.28% | 5.11% | 2.20% |
| Q4 2023 | 4.50% | 1.43% | 3.14% | 5.27% | 2.28% |
| Q1 2024 | 4.63% | 1.59% | 3.09% | 5.42% | 2.32% |
| Q2 2024 | 4.84% | 1.67% | 3.23% | 5.59% | 2.42% |
| Q3 2024 | 5.01% | 1.79% | 3.30% | 5.82% | 2.49% |
| Q4 2024 | 5.03% | 1.79% | 3.31% | 5.84% | 2.56% |
| Q1 2025 | 4.94% | 1.72% | 3.29% | 5.73% | 2.62% |
| Q2 2025 | 5.11% | 1.78% | 3.43% | 5.92% | 2.78% |
| Q3 2025 | 5.21% | 1.70% | 3.61% | 6.05% | 2.86% |
| Q4 2025 | 5.23% | 1.64% | 3.65% | 6.09% | 2.94% |
| Q1 2026 | 5.13% | 1.50% | 3.68% | 5.97% | 3.01% |
| Q2 2026 | 5.18% | 1.48% | 3.76% | 6.02% | 3.04% |
Crawford County Trust and Savings 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 Crawford County Trust and Savings 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 Crawford County Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8511) · FFIEC NIC profile (RSSD 810544)