Iowa 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.
Total interest expense rose 7.1% from Q1 2026 to Q2 2026, ending at $1.1M against $1.1M. It was the largest change among the key lines on this page. Within Iowa, Iowa State Bank is 190th of 225 on net interest margin, 3.02% as of Q2 2026. Iowa State Bank reported 3.02% on net interest margin for Q2 2026, 0.92 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.18% |
| Yield on loans | 5.88% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 3.22% |
| Cost of interest-bearing liabilities | 3.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.02% |
| Yield to cost spread | 1.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.79% | 2.04% | 2.98% | 5.48% | 1.60% |
| Q4 2023 | 4.96% | 2.35% | 2.83% | 5.66% | 1.64% |
| Q1 2024 | 5.08% | 2.86% | 2.66% | 5.80% | 1.61% |
| Q2 2024 | 5.25% | 2.65% | 2.89% | 5.93% | 1.67% |
| Q3 2024 | 5.39% | 2.71% | 2.95% | 6.12% | 1.76% |
| Q4 2024 | 5.41% | 2.68% | 2.99% | 6.09% | 1.94% |
| Q1 2025 | 5.19% | 2.48% | 2.95% | 5.97% | 2.15% |
| Q2 2025 | 5.61% | 2.48% | 3.37% | 6.33% | 2.19% |
| Q3 2025 | 5.65% | 2.48% | 3.44% | 6.31% | 2.22% |
| Q4 2025 | 5.57% | 2.43% | 3.40% | 6.26% | 2.37% |
| Q1 2026 | 5.31% | 2.12% | 3.25% | 6.07% | 2.47% |
| Q2 2026 | 5.18% | 2.23% | 3.02% | 5.88% | 2.89% |
Iowa 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 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10497) · FFIEC NIC profile (RSSD 298049)