The First National Bank of Manning: 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, Yield on securities rose 0.34 percentage points in Q2 2026 to 2.61%, the biggest move on this page. The First National Bank of Manning has the 19th lowest net interest margin of the 225 banks headquartered in Iowa, at 2.84% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First National Bank of Manning sits 1.05 points lower, at 2.84% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.70% |
| Yield on loans | 6.37% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.84% |
| Yield to cost spread | 2.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $664K |
| Total interest expense | $393K |
| Interest expense on deposits | $393K |
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 | 3.08% | 1.67% | 1.62% | 5.47% | 1.30% |
| Q4 2023 | 3.25% | 1.93% | 1.58% | 5.65% | 1.30% |
| Q1 2024 | 3.49% | 2.05% | 1.73% | 5.91% | 1.38% |
| Q2 2024 | 3.66% | 2.20% | 1.77% | 5.96% | 1.42% |
| Q3 2024 | 3.80% | 2.34% | 1.87% | 6.04% | 1.42% |
| Q4 2024 | 3.96% | 2.43% | 1.94% | 6.17% | 1.54% |
| Q1 2025 | 4.09% | 2.13% | 2.24% | 6.21% | 1.70% |
| Q2 2025 | 4.35% | 2.22% | 2.45% | 6.36% | 1.87% |
| Q3 2025 | 4.43% | 2.17% | 2.57% | 6.43% | 2.04% |
| Q4 2025 | 4.62% | 2.16% | 2.77% | 6.35% | 2.16% |
| Q1 2026 | 4.58% | 2.06% | 2.79% | 6.27% | 2.27% |
| Q2 2026 | 4.70% | 2.15% | 2.84% | 6.37% | 2.61% |
The First National Bank of Manning 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 First National Bank of Manning, 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 First National Bank of Manning profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4477) · FFIEC NIC profile (RSSD 818540)