GNB 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 0.31 percentage points from Q1 2026 to Q2 2026, ending at 4.22% against 3.91%. It was the largest change among the key lines on this page. Within Iowa, GNB Bank is 24th of 225 on net interest margin, 4.22% 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. GNB Bank sits 0.27 points higher, at 4.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.49% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 3.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.22% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.2M |
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 | 5.17% | 1.93% | 3.35% | 6.29% | 2.34% |
| Q4 2023 | 5.36% | 2.19% | 3.29% | 6.44% | 2.42% |
| Q1 2024 | 5.47% | 2.35% | 3.26% | 6.52% | 2.50% |
| Q2 2024 | 5.68% | 2.43% | 3.40% | 6.66% | 2.59% |
| Q3 2024 | 5.80% | 2.48% | 3.49% | 6.84% | 2.61% |
| Q4 2024 | 5.69% | 2.23% | 3.63% | 6.67% | 2.72% |
| Q1 2025 | 5.52% | 2.03% | 3.65% | 6.33% | 2.97% |
| Q2 2025 | 5.81% | 2.02% | 3.95% | 6.59% | 3.20% |
| Q3 2025 | 5.93% | 2.16% | 3.95% | 6.73% | 3.26% |
| Q4 2025 | 5.90% | 2.02% | 4.05% | 6.60% | 3.34% |
| Q1 2026 | 5.65% | 1.90% | 3.91% | 6.30% | 3.35% |
| Q2 2026 | 5.90% | 1.84% | 4.22% | 6.49% | 3.66% |
GNB 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 GNB 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 GNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14079) · FFIEC NIC profile (RSSD 724744)