Exchange 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.
The biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged up 0.19 percentage points between Q1 2026 and Q2 2026, to 3.90%. Exchange State Bank ranks 90th of 225 Iowa banks on net interest margin, in the upper half at 3.77% (Q2 2026). Exchange State Bank reported 3.77% on net interest margin for Q2 2026, 0.17 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.44% |
| Yield on loans | 5.81% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.27% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.77% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $605K |
| Interest expense on deposits | $482K |
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 | 4.75% | 1.14% | 3.69% | 5.07% | 2.26% |
| Q4 2023 | 4.83% | 1.39% | 3.56% | 5.18% | 2.29% |
| Q1 2024 | 5.11% | 1.58% | 3.68% | 5.49% | 2.25% |
| Q2 2024 | 5.18% | 1.85% | 3.49% | 5.55% | 2.23% |
| Q3 2024 | 5.34% | 2.11% | 3.44% | 5.71% | 2.29% |
| Q4 2024 | 5.29% | 2.10% | 3.37% | 5.66% | 2.37% |
| Q1 2025 | 5.22% | 1.92% | 3.48% | 5.58% | 2.47% |
| Q2 2025 | 5.44% | 1.87% | 3.72% | 5.80% | 2.60% |
| Q3 2025 | 5.59% | 2.00% | 3.79% | 5.97% | 2.60% |
| Q4 2025 | 5.57% | 2.01% | 3.76% | 5.97% | 2.53% |
| Q1 2026 | 5.44% | 1.80% | 3.82% | 5.82% | 2.68% |
| Q2 2026 | 5.44% | 1.85% | 3.77% | 5.81% | 2.77% |
Exchange 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 Exchange 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 Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10132) · FFIEC NIC profile (RSSD 805045)