Dewitt Bank & Trust Co.: 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.
In Q2 2026, Total interest expense edged up by 2.2%, from $1.4M to $1.4M, the largest move among the key lines here. Dewitt Bank & Trust Co. ranks 94th of 225 Iowa banks on net interest margin, in the upper half at 3.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Dewitt Bank & Trust Co. sits 0.20 points lower, at 3.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.39% |
| Yield on securities | 2.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.18% | 2.56% | 2.72% | 5.56% | 3.07% |
| Q4 2023 | 5.26% | 2.80% | 2.57% | 5.66% | 2.86% |
| Q1 2024 | 5.60% | 2.78% | 2.93% | 5.83% | 3.20% |
| Q2 2024 | 5.74% | 2.81% | 3.07% | 6.03% | 3.13% |
| Q3 2024 | 5.80% | 2.77% | 3.15% | 6.09% | 3.07% |
| Q4 2024 | 5.69% | 2.67% | 3.11% | 6.13% | 2.93% |
| Q1 2025 | 5.48% | 2.52% | 3.06% | 5.99% | 2.76% |
| Q2 2025 | 6.63% | 2.47% | 4.26% | 7.41% | 2.77% |
| Q3 2025 | 5.76% | 2.46% | 3.42% | 6.37% | 2.79% |
| Q4 2025 | 5.96% | 2.33% | 3.75% | 6.48% | 2.83% |
| Q1 2026 | 5.78% | 2.22% | 3.64% | 6.35% | 2.83% |
| Q2 2026 | 5.86% | 2.23% | 3.74% | 6.39% | 2.75% |
Dewitt Bank & Trust Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dewitt Bank & Trust Co., 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 Dewitt Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14705) · FFIEC NIC profile (RSSD 668147)