Home 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.
Compared with Q1 2026, Total interest expense rose 5.0% in Q2 2026 to $2.9M, the biggest move on this page. Home State Bank ranks 141st of 225 Iowa banks on net interest margin, in the lower half at 3.50% (Q2 2026). Home State Bank reported 3.50% on net interest margin for Q2 2026, 0.45 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 6.48% |
| Yield on securities | 3.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.62% |
| Cost of interest-bearing deposits | 3.30% |
| Cost of interest-bearing liabilities | 3.30% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 2.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.9M |
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 | 6.03% | 2.52% | 3.54% | 6.45% | 2.43% |
| Q4 2023 | 6.13% | 2.72% | 3.42% | 6.50% | 2.60% |
| Q1 2024 | 6.17% | 3.08% | 3.36% | 6.62% | 2.76% |
| Q2 2024 | 6.25% | 3.01% | 3.46% | 6.74% | 2.86% |
| Q3 2024 | 6.45% | 3.05% | 3.60% | 6.97% | 3.14% |
| Q4 2024 | 6.51% | 3.10% | 3.64% | 7.09% | 3.25% |
| Q1 2025 | 6.24% | 2.76% | 3.68% | 6.77% | 3.33% |
| Q2 2025 | 6.54% | 2.79% | 3.88% | 7.01% | 3.38% |
| Q3 2025 | 6.55% | 2.78% | 3.97% | 7.09% | 3.43% |
| Q4 2025 | 6.01% | 2.71% | 3.48% | 6.45% | 3.48% |
| Q1 2026 | 6.01% | 2.56% | 3.61% | 6.55% | 3.11% |
| Q2 2026 | 5.95% | 2.62% | 3.50% | 6.48% | 3.17% |
Home 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 Home 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 Home State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14867) · FFIEC NIC profile (RSSD 653947)