Fairfax State 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.
Yield on securities climbed 1.04 percentage points in Q2 2026, from 2.21% to 3.25%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Fairfax State Savings Bank is 17th from the bottom among 225 Iowa banks, 2.80% (Q2 2026). Fairfax State Savings Bank reported 2.80% on net interest margin for Q2 2026, 1.15 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 6.71% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.54% |
| Cost of interest-bearing deposits | 2.83% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.80% |
| Yield to cost spread | 2.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.7M |
| 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 | 4.01% | 2.19% | 2.00% | 5.53% | 1.93% |
| Q4 2023 | 4.27% | 2.48% | 1.96% | 5.93% | 1.86% |
| Q1 2024 | 4.51% | 3.03% | 1.88% | 6.19% | 1.85% |
| Q2 2024 | 4.54% | 3.20% | 1.79% | 6.17% | 1.85% |
| Q3 2024 | 4.76% | 3.01% | 1.95% | 6.60% | 1.88% |
| Q4 2024 | 4.95% | 2.83% | 2.31% | 6.78% | 1.92% |
| Q1 2025 | 4.85% | 2.58% | 2.44% | 6.78% | 1.92% |
| Q2 2025 | 4.96% | 2.66% | 2.50% | 6.83% | 2.16% |
| Q3 2025 | 4.95% | 2.64% | 2.49% | 6.88% | 2.20% |
| Q4 2025 | 4.94% | 2.63% | 2.49% | 6.84% | 2.33% |
| Q1 2026 | 4.75% | 2.48% | 2.42% | 6.61% | 2.21% |
| Q2 2026 | 5.17% | 2.54% | 2.80% | 6.71% | 3.25% |
Fairfax State 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 Fairfax State 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 Fairfax State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8083) · FFIEC NIC profile (RSSD 682648)