Freedom Financial 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.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 3.08% against 2.94%. It was the largest change among the key lines on this page. Freedom Financial Bank ranks 184th of 225 Iowa banks on net interest margin, in the lower half at 3.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Freedom Financial Bank sits 0.87 points lower, at 3.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.70% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.07% |
| Cost of borrowings | 3.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.08% |
| Yield to cost spread | 2.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.3M |
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 |
|---|---|---|---|
| Q3 2023 | 4.81% | 2.55% | 2.75% |
| Q4 2023 | 5.31% | 2.68% | 3.10% |
| Q1 2024 | 5.05% | 2.81% | 2.86% |
| Q2 2024 | 5.57% | 2.82% | 3.34% |
| Q3 2024 | 5.44% | 3.08% | 2.96% |
| Q4 2024 | 5.49% | 2.92% | 3.19% |
| Q1 2025 | 5.22% | 2.69% | 2.90% |
| Q2 2025 | 5.59% | 2.94% | 3.07% |
| Q3 2025 | 5.67% | 2.75% | 3.13% |
| Q4 2025 | 5.97% | 2.77% | 3.43% |
| Q1 2026 | 5.38% | 2.69% | 2.94% |
| Q2 2026 | 5.58% | 2.70% | 3.08% |
Freedom Financial 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 Freedom Financial 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 Freedom Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35031) · FFIEC NIC profile (RSSD 2735137)