Iowa Falls 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.
Cost of borrowings climbed 4.48 percentage points in Q2 2026, from 4.05% to 8.53%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Iowa Falls State Bank is 28th of 225 on net interest margin, 4.17% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Iowa Falls State Bank sits 0.22 points higher, at 4.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.18% |
| Yield on loans | 6.40% |
| Yield on securities | 5.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | 8.53% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $925K |
| Interest expense on deposits | $786K |
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 | 7.80% | 1.69% | 5.92% | 5.22% | 7.49% |
| Q4 2023 | 7.04% | 2.03% | 4.80% | 5.62% | 5.68% |
| Q1 2024 | 6.68% | 2.14% | 4.34% | 5.68% | 5.53% |
| Q2 2024 | 6.85% | 2.10% | 4.53% | 5.88% | 5.55% |
| Q3 2024 | 6.55% | 2.04% | 4.30% | 5.97% | 5.49% |
| Q4 2024 | 6.48% | 1.98% | 4.31% | 5.93% | 5.50% |
| Q1 2025 | 6.20% | 1.94% | 4.02% | 5.88% | 5.26% |
| Q2 2025 | 6.30% | 1.96% | 4.12% | 6.15% | 5.34% |
| Q3 2025 | 6.35% | 1.83% | 4.22% | 6.35% | 5.44% |
| Q4 2025 | 6.16% | 1.80% | 4.06% | 6.29% | 5.23% |
| Q1 2026 | 6.04% | 1.67% | 4.12% | 6.23% | 5.16% |
| Q2 2026 | 6.18% | 1.77% | 4.17% | 6.40% | 5.26% |
Iowa Falls 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 Iowa Falls 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 Iowa Falls State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15311) · FFIEC NIC profile (RSSD 989141)