Dysart State 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.
Cost of borrowings dropped 6.58 percentage points in Q2 2026, from 8.51% to 1.93%. It was the largest change from Q1 2026 among the key lines here. Dysart State Bank has the highest net interest margin of the 225 banks headquartered in Iowa, 5.21% as of Q2 2026. Dysart State Bank reported 5.21% on net interest margin for Q2 2026, 1.33 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | 5.88% |
| Yield on securities | 3.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.68% |
| Cost of interest-bearing deposits | 1.00% |
| Cost of interest-bearing liabilities | 0.91% |
| Cost of borrowings | 1.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.21% |
| Yield to cost spread | 4.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $180K |
| Total interest expense | $23K |
| Interest expense on deposits | $22K |
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 | 5.19% | 0.34% | 4.83% | 5.93% | 1.55% |
| Q4 2023 | 5.38% | 0.42% | 4.91% | 6.24% | 1.23% |
| Q1 2024 | 5.27% | 0.37% | 4.83% | 5.92% | 1.23% |
| Q2 2024 | 5.08% | 0.36% | 4.74% | 5.68% | 1.48% |
| Q3 2024 | 5.87% | 0.44% | 5.44% | 6.30% | 2.14% |
| Q4 2024 | 5.97% | 0.44% | 5.54% | 6.40% | 2.79% |
| Q1 2025 | 5.82% | 0.44% | 5.39% | 6.01% | 4.51% |
| Q2 2025 | 5.62% | 0.54% | 5.09% | 5.80% | 4.04% |
| Q3 2025 | 5.94% | 0.79% | 5.19% | 6.11% | 3.86% |
| Q4 2025 | 5.94% | 0.88% | 5.08% | 6.04% | 4.83% |
| Q1 2026 | 5.89% | 0.80% | 5.12% | 5.97% | 4.27% |
| Q2 2026 | 5.87% | 0.68% | 5.21% | 5.88% | 3.74% |
Dysart State 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 Dysart State 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 Dysart State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17441) · FFIEC NIC profile (RSSD 602842)