FNNB 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.34 percentage points to 3.11%. On net interest margin, FNNB Bank ranks 11th highest among the 225 banks headquartered in Iowa, at 4.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. FNNB Bank sits 0.63 points higher, at 4.57% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.37% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.02% |
| Cost of interest-bearing deposits | 0.91% |
| Cost of interest-bearing liabilities | 1.44% |
| Cost of borrowings | 5.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $246K |
| Interest expense on deposits | $131K |
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 | 3.98% | 0.84% | 3.14% | 5.50% | 1.83% |
| Q4 2023 | 4.18% | 1.27% | 2.92% | 5.71% | 1.87% |
| Q1 2024 | 4.35% | 1.17% | 3.04% | 5.88% | 1.89% |
| Q2 2024 | 4.49% | 1.50% | 2.99% | 5.98% | 1.93% |
| Q3 2024 | 4.65% | 1.35% | 3.28% | 6.11% | 2.00% |
| Q4 2024 | 4.71% | 1.23% | 3.49% | 6.17% | 2.10% |
| Q1 2025 | 4.78% | 1.12% | 3.70% | 6.18% | 2.24% |
| Q2 2025 | 5.00% | 1.24% | 3.81% | 6.29% | 2.38% |
| Q3 2025 | 5.33% | 1.11% | 4.22% | 6.52% | 2.55% |
| Q4 2025 | 5.26% | 1.07% | 4.21% | 6.33% | 2.63% |
| Q1 2026 | 5.36% | 0.99% | 4.41% | 6.36% | 2.77% |
| Q2 2026 | 5.55% | 1.02% | 4.57% | 6.37% | 3.11% |
FNNB 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 FNNB 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 FNNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4482) · FFIEC NIC profile (RSSD 242949)