Decorah Bank and Trust Company: 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 up 0.25 percentage points between Q1 2026 and Q2 2026, to 4.32%. Within Iowa, Decorah Bank and Trust Company is 63rd of 225 on net interest margin, 3.93% 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; Decorah Bank and Trust Company reported 3.93% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 4.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.1M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.2M |
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 |
|---|---|---|---|
| Q3 2023 | 5.05% | 2.03% | 3.17% |
| Q4 2023 | 5.30% | 2.20% | 3.26% |
| Q1 2024 | 5.25% | 2.29% | 3.12% |
| Q2 2024 | 5.44% | 2.31% | 3.30% |
| Q3 2024 | 5.71% | 2.33% | 3.55% |
| Q4 2024 | 5.78% | 2.25% | 3.69% |
| Q1 2025 | 5.52% | 2.14% | 3.53% |
| Q2 2025 | 5.78% | 2.08% | 3.86% |
| Q3 2025 | 5.75% | 2.06% | 3.86% |
| Q4 2025 | 5.81% | 2.00% | 3.97% |
| Q1 2026 | 5.66% | 1.91% | 3.88% |
| Q2 2026 | 5.71% | 1.93% | 3.93% |
Decorah Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Decorah Bank and Trust Company, 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 Decorah Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15200) · FFIEC NIC profile (RSSD 872047)