First Security Bank and Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.3% to $1.6M. First Security Bank and Trust Company ranks 130th of 225 Iowa banks on net interest margin, in the lower half at 3.59% (Q2 2026). First Security Bank and Trust Company reported 3.59% on net interest margin for Q2 2026, 0.36 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 5.57% |
| Yield on securities | 3.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 1.53% |
| Cost of interest-bearing liabilities | 1.55% |
| Cost of borrowings | 2.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.8M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 4.19% | 1.42% | 2.83% | 4.52% | 3.41% |
| Q4 2023 | 4.26% | 1.54% | 2.79% | 4.62% | 3.46% |
| Q1 2024 | 4.41% | 1.61% | 2.86% | 4.82% | 3.51% |
| Q2 2024 | 4.47% | 1.70% | 2.83% | 4.88% | 3.50% |
| Q3 2024 | 4.48% | 1.67% | 2.86% | 4.91% | 3.49% |
| Q4 2024 | 4.69% | 1.57% | 3.14% | 5.27% | 3.24% |
| Q1 2025 | 4.49% | 1.40% | 3.11% | 5.06% | 3.20% |
| Q2 2025 | 4.71% | 1.49% | 3.30% | 5.36% | 3.06% |
| Q3 2025 | 4.72% | 1.45% | 3.35% | 5.46% | 3.02% |
| Q4 2025 | 4.75% | 1.35% | 3.47% | 5.49% | 3.00% |
| Q1 2026 | 4.65% | 1.26% | 3.46% | 5.39% | 2.95% |
| Q2 2026 | 4.82% | 1.33% | 3.59% | 5.57% | 3.07% |
First Security Bank and Trust Company 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 Security Bank and Trust Company, 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 Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1852) · FFIEC NIC profile (RSSD 894544)