First Iowa 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.
Cost of borrowings dropped 0.97 percentage points in Q2 2026, from 3.37% to 2.40%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, First Iowa State Bank sits 7th from the top on net interest margin, 4.87% as of Q2 2026. First Iowa State Bank reported 4.87% on net interest margin for Q2 2026, 0.92 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | 7.27% |
| Yield on securities | 2.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.52% |
| Cost of borrowings | 2.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.87% |
| Yield to cost spread | 4.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.2M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.14% | 1.01% | 4.18% | 6.82% | 1.96% |
| Q4 2023 | 5.11% | 1.12% | 4.06% | 6.66% | 1.93% |
| Q1 2024 | 5.31% | 1.34% | 4.01% | 6.88% | 1.87% |
| Q2 2024 | 5.47% | 1.45% | 4.11% | 6.96% | 1.87% |
| Q3 2024 | 5.70% | 1.73% | 4.06% | 7.30% | 2.08% |
| Q4 2024 | 5.74% | 1.62% | 4.22% | 7.30% | 2.18% |
| Q1 2025 | 5.77% | 1.61% | 4.23% | 7.39% | 2.14% |
| Q2 2025 | 5.97% | 1.58% | 4.46% | 7.31% | 2.25% |
| Q3 2025 | 6.15% | 1.60% | 4.65% | 7.48% | 2.37% |
| Q4 2025 | 6.24% | 1.48% | 4.84% | 7.49% | 2.41% |
| Q1 2026 | 5.78% | 1.42% | 4.43% | 6.90% | 2.41% |
| Q2 2026 | 6.14% | 1.34% | 4.87% | 7.27% | 2.51% |
First Iowa 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 First Iowa 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 First Iowa State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14930) · FFIEC NIC profile (RSSD 787842)