First 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.
In Q2 2026, Yield on loans edged up by 0.14 percentage points, from 6.49% to 6.63%, the largest move among the key lines here. First State Bank ranks 94th of 225 Iowa banks on net interest margin, in the upper half at 3.74% (Q2 2026). First State Bank reported 3.74% on net interest margin for Q2 2026, 0.20 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.81% |
| Yield on loans | 6.63% |
| Yield on securities | 3.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 2.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $900K |
| Total interest expense | $353K |
| 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 | 3.65% | 1.02% | 2.66% | 5.52% | 0.67% |
| Q4 2023 | 3.97% | 1.20% | 2.84% | 5.69% | 1.25% |
| Q1 2024 | 4.18% | 1.25% | 2.95% | 5.80% | 2.25% |
| Q2 2024 | 4.64% | 1.26% | 3.43% | 5.97% | 2.59% |
| Q3 2024 | 5.10% | 1.23% | 3.91% | 6.15% | 3.26% |
| Q4 2024 | 5.25% | 1.18% | 4.09% | 6.18% | 4.01% |
| Q1 2025 | 5.12% | 1.18% | 3.96% | 6.08% | 4.29% |
| Q2 2025 | 5.29% | 1.22% | 4.08% | 6.33% | 4.22% |
| Q3 2025 | 5.38% | 1.28% | 4.11% | 6.52% | 4.07% |
| Q4 2025 | 5.25% | 1.19% | 4.07% | 6.64% | 4.17% |
| Q1 2026 | 4.86% | 1.15% | 3.76% | 6.49% | 3.73% |
| Q2 2026 | 4.81% | 1.22% | 3.74% | 6.63% | 3.65% |
First 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 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16177) · FFIEC NIC profile (RSSD 190947)