Denver 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.
Net interest margin rose 0.29 percentage points from Q1 2026 to Q2 2026, ending at 3.51% against 3.22%. It was the largest change among the key lines on this page. Denver Savings Bank ranks 139th of 225 Iowa banks on net interest margin, in the lower half at 3.51% (Q2 2026). Denver Savings Bank reported 3.51% on net interest margin for Q2 2026, 0.44 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.78% |
| Yield on loans | 6.67% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.47% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.0M |
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 | 4.62% | 2.23% | 2.46% | 5.08% | 2.50% |
| Q4 2023 | 4.61% | 2.55% | 2.24% | 5.04% | 2.55% |
| Q1 2024 | 4.79% | 2.71% | 2.29% | 5.26% | 2.56% |
| Q2 2024 | 5.07% | 2.77% | 2.50% | 5.54% | 2.89% |
| Q3 2024 | 5.24% | 2.91% | 2.50% | 5.76% | 2.88% |
| Q4 2024 | 5.26% | 2.82% | 2.63% | 5.85% | 2.95% |
| Q1 2025 | 5.12% | 2.62% | 2.67% | 5.73% | 2.88% |
| Q2 2025 | 5.37% | 2.65% | 2.93% | 6.09% | 2.84% |
| Q3 2025 | 5.55% | 2.81% | 2.95% | 6.29% | 2.79% |
| Q4 2025 | 5.58% | 2.80% | 3.00% | 6.38% | 2.86% |
| Q1 2026 | 5.54% | 2.52% | 3.22% | 6.40% | 2.79% |
| Q2 2026 | 5.78% | 2.47% | 3.51% | 6.67% | 2.87% |
Denver 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 Denver 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 Denver Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12857) · FFIEC NIC profile (RSSD 220844)