Earlham 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.
Compared with Q1 2026, Total interest expense rose 4.3% in Q2 2026 to $1.5M, the biggest move on this page. Within Iowa, Earlham Savings Bank is 95th of 225 on net interest margin, 3.74% as of Q2 2026, above the middle of the field. Earlham Savings Bank reported 3.74% on net interest margin for Q2 2026, 0.21 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 6.42% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 3.96% | 1.38% | 2.63% | 5.39% | 1.51% |
| Q4 2023 | 4.20% | 1.62% | 2.67% | 5.56% | 1.62% |
| Q1 2024 | 4.41% | 1.64% | 2.83% | 5.72% | 2.18% |
| Q2 2024 | 4.70% | 1.70% | 3.07% | 5.88% | 2.35% |
| Q3 2024 | 5.03% | 1.74% | 3.37% | 6.02% | 2.86% |
| Q4 2024 | 5.14% | 1.72% | 3.52% | 6.08% | 3.47% |
| Q1 2025 | 5.11% | 1.69% | 3.50% | 6.05% | 3.58% |
| Q2 2025 | 5.23% | 1.74% | 3.59% | 6.22% | 3.71% |
| Q3 2025 | 5.33% | 1.79% | 3.67% | 6.32% | 3.73% |
| Q4 2025 | 5.26% | 1.73% | 3.65% | 6.26% | 3.51% |
| Q1 2026 | 5.18% | 1.69% | 3.61% | 6.17% | 3.85% |
| Q2 2026 | 5.35% | 1.75% | 3.74% | 6.42% | 3.71% |
Earlham 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 Earlham 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 Earlham Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5796) · FFIEC NIC profile (RSSD 645540)