Hiawatha Bank & Trust Company: 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.
Compared with Q2 2026, Net interest margin rose 0.19 percentage points in Q3 2026 to 4.30%, the biggest move on this page. Among 225 Iowa banks, Hiawatha Bank & Trust Company sits 17th from the top on net interest margin, 4.30% as of Q3 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Hiawatha Bank & Trust Company sits 0.35 points higher, at 4.30% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 6.30% |
| Yield on securities | 3.97% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 4.10% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $493K |
| Interest expense on deposits | $438K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.36% | 1.40% | 3.06% | 5.28% | 2.23% |
| Q1 2024 | 4.45% | 1.46% | 3.08% | 5.37% | 2.26% |
| Q2 2024 | 4.66% | 1.58% | 3.17% | 5.61% | 2.41% |
| Q3 2024 | 4.73% | 1.71% | 3.17% | 5.72% | 2.45% |
| Q4 2024 | 4.87% | 1.54% | 3.44% | 5.81% | 2.59% |
| Q1 2025 | 4.88% | 1.42% | 3.58% | 5.73% | 2.90% |
| Q2 2025 | 5.08% | 1.39% | 3.79% | 5.88% | 3.15% |
| Q3 2025 | 5.19% | 1.41% | 3.89% | 5.99% | 3.28% |
| Q4 2025 | 5.41% | 1.42% | 4.07% | 6.10% | 3.74% |
| Q1 2026 | 5.31% | 1.37% | 4.05% | 6.04% | 3.66% |
| Q2 2026 | 5.38% | 1.37% | 4.11% | 6.10% | 3.77% |
| Q3 2026 | 5.56% | 1.41% | 4.30% | 6.30% | 3.97% |
Hiawatha Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hiawatha Bank & Trust Company, 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 Hiawatha Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34488) · FFIEC NIC profile (RSSD 2536633)