Freedombank: 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 Total interest expense, which rose 3.6% to $1.9M. Freedombank ranks 149th of 225 Iowa banks on net interest margin, in the lower half at 3.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Freedombank sits 0.56 points lower, at 3.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 6.07% |
| Yield on securities | 1.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | 4.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 2.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
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 | 4.31% | 1.63% | 2.81% | 5.24% | 1.55% |
| Q4 2023 | 4.33% | 1.80% | 2.67% | 5.20% | 1.60% |
| Q1 2024 | 4.53% | 2.10% | 2.57% | 5.39% | 1.61% |
| Q2 2024 | 4.88% | 2.21% | 2.85% | 5.87% | 1.59% |
| Q3 2024 | 4.80% | 2.24% | 2.73% | 5.78% | 1.58% |
| Q4 2024 | 4.86% | 2.21% | 2.82% | 5.85% | 1.60% |
| Q1 2025 | 4.87% | 2.12% | 2.90% | 5.83% | 1.75% |
| Q2 2025 | 4.86% | 2.11% | 2.91% | 5.80% | 1.80% |
| Q3 2025 | 5.05% | 2.02% | 3.18% | 6.00% | 1.78% |
| Q4 2025 | 5.18% | 1.96% | 3.36% | 6.12% | 1.76% |
| Q1 2026 | 5.19% | 1.90% | 3.43% | 6.08% | 1.70% |
| Q2 2026 | 5.22% | 1.99% | 3.38% | 6.07% | 1.63% |
Freedombank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedombank, 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 Freedombank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11767) · FFIEC NIC profile (RSSD 652043)