Guthrie County 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 Cost of borrowings, which fell 0.40 percentage points to 3.60%. Within Iowa, Guthrie County State Bank is 168th of 225 on net interest margin, 3.23% as of Q2 2026, below the middle of the field. Guthrie County State Bank reported 3.23% on net interest margin for Q2 2026, 0.72 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | 6.89% |
| Yield on securities | 3.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 2.71% |
| Cost of interest-bearing liabilities | 2.87% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.23% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.2M |
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 | 4.90% | 2.99% | 2.17% | 6.30% | 3.60% |
| Q4 2023 | 5.50% | 3.02% | 2.73% | 7.01% | 4.04% |
| Q1 2024 | 5.01% | 3.04% | 2.17% | 6.22% | 3.77% |
| Q2 2024 | 5.11% | 3.12% | 2.23% | 6.28% | 3.83% |
| Q3 2024 | 5.38% | 3.21% | 2.40% | 6.59% | 4.03% |
| Q4 2024 | 5.57% | 3.01% | 2.72% | 6.69% | 4.21% |
| Q1 2025 | 5.25% | 2.92% | 2.60% | 6.44% | 3.82% |
| Q2 2025 | 5.51% | 2.76% | 2.96% | 6.77% | 3.83% |
| Q3 2025 | 5.67% | 2.88% | 3.02% | 6.92% | 3.89% |
| Q4 2025 | 5.63% | 2.82% | 3.08% | 6.86% | 3.78% |
| Q1 2026 | 5.42% | 2.53% | 3.07% | 6.69% | 3.63% |
| Q2 2026 | 5.51% | 2.48% | 3.23% | 6.89% | 3.61% |
Guthrie County 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 Guthrie County 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 Guthrie County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 226) · FFIEC NIC profile (RSSD 969844)