Heartland 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.
In Q2 2026, Net interest margin edged down by 0.07 percentage points, from 4.97% to 4.90%, the largest move among the key lines here. Among 225 Iowa banks, Heartland Bank sits 5th from the top on net interest margin, 4.90% as of Q2 2026. Heartland Bank reported 4.90% on net interest margin for Q2 2026, 0.95 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.70% |
| Yield on loans | 7.21% |
| Yield on securities | 3.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.90% |
| Yield to cost spread | 4.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $952K |
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 | 6.33% | 2.51% | 4.23% | 6.91% | 3.11% |
| Q4 2023 | 6.60% | 2.61% | 4.28% | 7.21% | 3.03% |
| Q1 2024 | 6.55% | 2.73% | 4.13% | 7.05% | 3.60% |
| Q2 2024 | 6.87% | 2.89% | 4.37% | 7.39% | 3.55% |
| Q3 2024 | 6.94% | 2.84% | 4.45% | 7.44% | 3.70% |
| Q4 2024 | 6.90% | 2.64% | 4.63% | 7.47% | 3.39% |
| Q1 2025 | 6.62% | 2.32% | 4.65% | 7.22% | 3.37% |
| Q2 2025 | 6.84% | 2.33% | 4.82% | 7.39% | 3.36% |
| Q3 2025 | 7.03% | 2.26% | 4.96% | 7.59% | 3.38% |
| Q4 2025 | 6.81% | 2.41% | 4.78% | 7.32% | 3.37% |
| Q1 2026 | 6.78% | 2.07% | 4.97% | 7.30% | 3.25% |
| Q2 2026 | 6.70% | 2.08% | 4.90% | 7.21% | 3.23% |
Heartland 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 Heartland 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 Heartland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14809) · FFIEC NIC profile (RSSD 604547)