First Security 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.
Compared with Q1 2026, Net interest margin rose 0.20 percentage points in Q2 2026 to 3.79%, the biggest move on this page. Within Iowa, First Security State Bank is 86th of 225 on net interest margin, 3.79% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin; First Security State Bank reported 3.79% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 6.59% |
| Yield on securities | 1.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $998K |
| Total interest expense | $355K |
| Interest expense on deposits | $353K |
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 | 4.86% | 1.65% | 3.41% | 5.88% | 0.93% |
| Q4 2023 | 5.08% | 1.84% | 3.46% | 6.06% | 0.97% |
| Q1 2024 | 4.97% | 2.00% | 3.21% | 5.99% | 0.95% |
| Q2 2024 | 5.11% | 2.16% | 3.20% | 6.08% | 0.96% |
| Q3 2024 | 5.15% | 2.22% | 3.21% | 6.24% | 0.97% |
| Q4 2024 | 5.14% | 2.21% | 3.21% | 6.26% | 0.95% |
| Q1 2025 | 5.00% | 1.93% | 3.31% | 6.27% | 0.93% |
| Q2 2025 | 5.27% | 1.85% | 3.66% | 6.53% | 0.97% |
| Q3 2025 | 5.27% | 2.00% | 3.54% | 6.64% | 1.00% |
| Q4 2025 | 5.41% | 1.92% | 3.76% | 6.68% | 1.15% |
| Q1 2026 | 5.24% | 1.90% | 3.59% | 6.51% | 1.13% |
| Q2 2026 | 5.43% | 1.90% | 3.79% | 6.59% | 1.44% |
First Security 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 Security 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18508) · FFIEC NIC profile (RSSD 681043)