Houghton 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.
Net interest margin climbed 0.42 percentage points in Q2 2026, from 3.99% to 4.41%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Houghton State Bank sits 16th from the top on net interest margin, 4.41% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Houghton State Bank sits 0.47 points higher, at 4.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 6.33% |
| Yield on securities | 3.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.80% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $587K |
| Interest expense on deposits | $587K |
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 | 4.49% | 1.14% | 3.43% | 5.06% | 2.19% |
| Q4 2023 | 4.73% | 1.60% | 3.25% | 5.33% | 2.20% |
| Q1 2024 | 5.03% | 1.83% | 3.34% | 5.62% | 2.20% |
| Q2 2024 | 5.24% | 1.85% | 3.52% | 5.80% | 2.23% |
| Q3 2024 | 5.35% | 2.13% | 3.39% | 5.91% | 2.29% |
| Q4 2024 | 5.26% | 1.83% | 3.59% | 5.85% | 2.32% |
| Q1 2025 | 5.19% | 1.62% | 3.72% | 5.83% | 2.54% |
| Q2 2025 | 5.32% | 1.49% | 3.98% | 5.93% | 2.56% |
| Q3 2025 | 5.45% | 1.49% | 4.10% | 6.06% | 2.56% |
| Q4 2025 | 5.47% | 1.56% | 4.07% | 6.13% | 2.64% |
| Q1 2026 | 5.34% | 1.51% | 3.99% | 6.11% | 2.69% |
| Q2 2026 | 5.63% | 1.35% | 4.41% | 6.33% | 3.12% |
Houghton 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 Houghton 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 Houghton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15405) · FFIEC NIC profile (RSSD 528241)