The 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 largest change between Q1 2026 and Q2 2026 was in Yield on loans, which rose 0.29 percentage points to 6.84%. Within Iowa, The Exchange State Bank is 105th of 225 on net interest margin, 3.70% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Exchange State Bank sits 0.19 points lower, at 3.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 6.84% |
| Yield on securities | 3.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $485K |
| Total interest expense | $199K |
| Interest expense on deposits | $199K |
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 | 4.26% | 0.88% | 3.55% | 5.82% | 2.57% |
| Q4 2023 | 4.34% | 1.41% | 3.23% | 6.03% | 2.55% |
| Q1 2024 | 4.56% | 2.17% | 2.80% | 6.20% | 2.65% |
| Q2 2024 | 4.98% | 2.43% | 3.07% | 6.30% | 3.13% |
| Q3 2024 | 4.81% | 2.75% | 2.61% | 6.01% | 3.08% |
| Q4 2024 | 5.09% | 2.51% | 3.04% | 6.43% | 3.01% |
| Q1 2025 | 5.41% | 2.22% | 3.55% | 6.78% | 3.40% |
| Q2 2025 | 5.31% | 2.07% | 3.64% | 6.60% | 3.52% |
| Q3 2025 | 5.19% | 1.98% | 3.59% | 6.41% | 3.59% |
| Q4 2025 | 5.17% | 1.92% | 3.65% | 6.42% | 3.46% |
| Q1 2026 | 5.18% | 1.85% | 3.70% | 6.55% | 3.53% |
| Q2 2026 | 5.19% | 1.88% | 3.70% | 6.84% | 3.35% |
The 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 The 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 The Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16094) · FFIEC NIC profile (RSSD 362043)