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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.31%. On net interest margin, First State Bank is 9th from the bottom among 225 Iowa banks, 2.31% (Q2 2026). First State Bank reported 2.31% on net interest margin for Q2 2026, 1.63 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.29% |
| Yield on loans | 6.12% |
| Yield on securities | 2.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.30% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.31% |
| Yield to cost spread | 1.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $977K |
| Total interest expense | $681K |
| Interest expense on deposits | $646K |
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 | 3.31% | 2.21% | 1.29% | 5.28% | 1.93% |
| Q4 2023 | 3.41% | 2.28% | 1.29% | 5.39% | 1.95% |
| Q1 2024 | 3.42% | 2.28% | 1.31% | 5.44% | 1.94% |
| Q2 2024 | 3.52% | 2.24% | 1.46% | 5.62% | 1.90% |
| Q3 2024 | 3.63% | 2.29% | 1.55% | 5.78% | 1.90% |
| Q4 2024 | 3.85% | 2.13% | 1.89% | 5.90% | 2.04% |
| Q1 2025 | 3.84% | 2.13% | 1.90% | 5.83% | 2.08% |
| Q2 2025 | 3.99% | 2.18% | 2.01% | 6.01% | 2.14% |
| Q3 2025 | 4.16% | 2.22% | 2.15% | 6.24% | 2.23% |
| Q4 2025 | 4.21% | 2.14% | 2.24% | 6.21% | 2.28% |
| Q1 2026 | 4.17% | 2.29% | 2.20% | 6.03% | 2.37% |
| Q2 2026 | 4.29% | 2.30% | 2.31% | 6.12% | 2.52% |
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 5791) · FFIEC NIC profile (RSSD 854847)