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.
Compared with Q1 2026, Net interest margin rose 0.17 percentage points in Q2 2026 to 3.74%, the biggest move on this page. Within Iowa, Iowa State Bank is 95th of 225 on net interest margin, 3.74% as of Q2 2026, above the middle of the field. Iowa State Bank reported 3.74% on net interest margin for Q2 2026, 0.21 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | 5.42% |
| Yield on securities | 3.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.26% |
| Cost of interest-bearing deposits | 1.58% |
| Cost of interest-bearing liabilities | 1.60% |
| Cost of borrowings | 1.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 3.97% | 0.95% | 3.14% | 4.53% | 2.26% |
| Q4 2023 | 4.08% | 1.10% | 3.12% | 4.69% | 2.25% |
| Q1 2024 | 4.09% | 1.25% | 3.01% | 4.69% | 2.20% |
| Q2 2024 | 4.23% | 1.34% | 3.08% | 4.85% | 2.25% |
| Q3 2024 | 4.30% | 1.36% | 3.13% | 4.92% | 2.31% |
| Q4 2024 | 4.33% | 1.43% | 3.11% | 5.03% | 2.48% |
| Q1 2025 | 4.32% | 1.35% | 3.16% | 5.02% | 2.73% |
| Q2 2025 | 4.56% | 1.35% | 3.38% | 5.17% | 3.03% |
| Q3 2025 | 4.76% | 1.32% | 3.60% | 5.31% | 3.38% |
| Q4 2025 | 4.85% | 1.31% | 3.73% | 5.31% | 4.22% |
| Q1 2026 | 4.70% | 1.27% | 3.57% | 5.27% | 3.65% |
| Q2 2026 | 4.86% | 1.26% | 3.74% | 5.42% | 3.79% |
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 15808) · FFIEC NIC profile (RSSD 662949)