Federation 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 standout move of Q2 2026 was in Net interest margin: 0.82 percentage points lower than in Q1 2026, at 3.98%. Within Iowa, Federation Bank is 57th of 225 on net interest margin, 3.98% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Federation Bank reported 3.98% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.14% |
| Yield on loans | 6.57% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.57% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | 1.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $417K |
| Interest expense on deposits | $400K |
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% | 0.65% | 3.32% | 5.59% | 1.88% |
| Q4 2023 | 4.11% | 0.76% | 3.38% | 5.67% | 1.94% |
| Q1 2024 | 4.23% | 0.93% | 3.33% | 5.84% | 2.12% |
| Q2 2024 | 4.83% | 1.09% | 3.80% | 6.98% | 2.22% |
| Q3 2024 | 4.57% | 1.20% | 3.43% | 6.37% | 2.33% |
| Q4 2024 | 4.75% | 1.18% | 3.63% | 6.49% | 2.52% |
| Q1 2025 | 4.83% | 1.32% | 3.57% | 6.47% | 2.62% |
| Q2 2025 | 4.91% | 1.21% | 3.75% | 6.51% | 2.64% |
| Q3 2025 | 5.04% | 1.25% | 3.86% | 6.68% | 2.66% |
| Q4 2025 | 5.12% | 1.25% | 3.94% | 6.68% | 2.73% |
| Q1 2026 | 5.94% | 1.19% | 4.80% | 8.01% | 2.75% |
| Q2 2026 | 5.14% | 1.22% | 3.98% | 6.57% | 2.80% |
Federation 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 Federation 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 Federation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14352) · FFIEC NIC profile (RSSD 764142)