Fidelity Bank & Trust: 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, Net interest margin fell 0.20 percentage points in Q2 2026 to 3.52%, the biggest move on this page. Within Iowa, Fidelity Bank & Trust is 135th of 225 on net interest margin, 3.52% as of Q2 2026. Fidelity Bank & Trust reported 3.52% on net interest margin for Q2 2026, 0.19 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 5.93% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $28.0M |
| Total interest expense | $11.5M |
| Interest expense on deposits | $10.0M |
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 | 4.34% | 1.51% | 2.86% | 4.85% | 2.85% |
| Q4 2023 | 4.53% | 1.81% | 2.73% | 5.02% | 3.02% |
| Q1 2024 | 4.70% | 2.03% | 2.73% | 5.25% | 3.02% |
| Q2 2024 | 4.92% | 2.12% | 2.84% | 5.53% | 3.03% |
| Q3 2024 | 4.95% | 2.23% | 2.80% | 5.54% | 3.14% |
| Q4 2024 | 4.91% | 2.15% | 2.87% | 5.60% | 2.97% |
| Q1 2025 | 4.91% | 2.09% | 2.93% | 5.59% | 3.06% |
| Q2 2025 | 5.02% | 2.09% | 3.05% | 5.71% | 3.11% |
| Q3 2025 | 5.14% | 2.08% | 3.17% | 5.81% | 3.24% |
| Q4 2025 | 5.38% | 2.02% | 3.47% | 6.02% | 3.31% |
| Q1 2026 | 5.61% | 1.98% | 3.72% | 6.23% | 3.36% |
| Q2 2026 | 5.42% | 2.00% | 3.52% | 5.93% | 3.42% |
Fidelity Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank & Trust, 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 Fidelity Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14382) · FFIEC NIC profile (RSSD 939249)