Hardin County Savings 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 0.15 percentage points from Q1 2026 to Q2 2026, ending at 3.35% against 3.20%. It was the largest change among the key lines on this page. Within Iowa, Hardin County Savings Bank is 154th of 225 on net interest margin, 3.35% as of Q2 2026, below the middle of the field. Hardin County Savings Bank reported 3.35% on net interest margin for Q2 2026, 0.60 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 6.47% |
| Yield on securities | 5.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.69% |
| Cost of interest-bearing deposits | 2.86% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | 4.15% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.1M |
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 | 5.27% | 2.42% | 2.85% | 4.95% | 5.71% |
| Q4 2023 | 5.82% | 2.55% | 3.15% | 5.43% | 6.44% |
| Q1 2024 | 5.91% | 2.64% | 3.18% | 5.66% | 6.33% |
| Q2 2024 | 5.86% | 2.77% | 2.99% | 5.72% | 6.10% |
| Q3 2024 | 5.81% | 2.81% | 2.88% | 5.76% | 5.87% |
| Q4 2024 | 6.05% | 2.77% | 3.19% | 6.16% | 5.83% |
| Q1 2025 | 6.02% | 2.68% | 3.25% | 6.14% | 5.80% |
| Q2 2025 | 6.23% | 2.80% | 3.31% | 6.48% | 5.82% |
| Q3 2025 | 6.16% | 2.96% | 3.10% | 6.54% | 5.64% |
| Q4 2025 | 6.11% | 2.88% | 3.20% | 6.48% | 5.27% |
| Q1 2026 | 5.89% | 2.68% | 3.20% | 6.27% | 5.16% |
| Q2 2026 | 6.02% | 2.69% | 3.35% | 6.47% | 5.26% |
Hardin County Savings 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 Hardin County Savings 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 Hardin County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5817) · FFIEC NIC profile (RSSD 647245)