First Trust and Savings 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.
Total interest expense rose 5.1% from Q1 2026 to Q2 2026, ending at $1.7M against $1.6M. It was the largest change among the key lines on this page. Within Iowa, First Trust and Savings Bank is 58th of 225 on net interest margin, 3.96% as of Q2 2026, above the middle of the field. At 3.96%, First Trust and Savings Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.21% |
| Yield on loans | 6.41% |
| Yield on securities | 4.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.44% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.85% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.6M |
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 | 5.51% | 1.98% | 3.72% | 5.69% | 3.09% |
| Q4 2023 | 5.73% | 2.26% | 3.67% | 5.92% | 2.98% |
| Q1 2024 | 5.96% | 2.52% | 3.65% | 6.16% | 3.13% |
| Q2 2024 | 6.19% | 2.74% | 3.67% | 6.40% | 3.27% |
| Q3 2024 | 6.40% | 2.78% | 3.87% | 6.60% | 3.48% |
| Q4 2024 | 6.19% | 2.64% | 3.78% | 6.37% | 3.52% |
| Q1 2025 | 6.20% | 2.61% | 3.79% | 6.38% | 3.65% |
| Q2 2025 | 6.37% | 2.57% | 4.02% | 6.55% | 3.67% |
| Q3 2025 | 6.53% | 2.58% | 4.15% | 6.71% | 4.08% |
| Q4 2025 | 6.33% | 2.51% | 4.02% | 6.52% | 4.05% |
| Q1 2026 | 6.27% | 2.41% | 4.04% | 6.45% | 4.15% |
| Q2 2026 | 6.21% | 2.44% | 3.96% | 6.41% | 4.25% |
First Trust and Savings 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 Trust and Savings 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 Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8752) · FFIEC NIC profile (RSSD 640442)