Glenwood 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.4% to $1.1M. Within Iowa, Glenwood State Bank is 30th of 225 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Glenwood State Bank sits 0.20 points higher, at 4.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 6.99% |
| Yield on securities | 4.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.45% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | 2.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 3.50% | 1.36% | 2.25% | 6.20% | 1.30% |
| Q4 2023 | 3.88% | 1.46% | 2.54% | 6.50% | 1.39% |
| Q1 2024 | 4.14% | 1.56% | 2.71% | 6.61% | 1.67% |
| Q2 2024 | 4.58% | 1.70% | 3.02% | 6.81% | 2.16% |
| Q3 2024 | 4.87% | 1.78% | 3.25% | 7.00% | 2.46% |
| Q4 2024 | 5.24% | 1.73% | 3.66% | 7.27% | 2.88% |
| Q1 2025 | 4.95% | 1.61% | 3.48% | 6.72% | 3.16% |
| Q2 2025 | 5.24% | 1.58% | 3.79% | 6.94% | 3.40% |
| Q3 2025 | 5.45% | 1.58% | 4.03% | 7.09% | 3.75% |
| Q4 2025 | 5.49% | 1.58% | 4.09% | 7.13% | 3.89% |
| Q1 2026 | 5.26% | 1.44% | 3.96% | 6.82% | 4.03% |
| Q2 2026 | 5.47% | 1.45% | 4.15% | 6.99% | 4.07% |
Glenwood 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 Glenwood 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 Glenwood State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 956) · FFIEC NIC profile (RSSD 566243)