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.
In Q2 2026, Total interest expense edged up by 1.8%, from $2.3M to $2.4M, the largest move among the key lines here. Within Iowa, Iowa State Bank is 168th of 225 on net interest margin, 3.23% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Iowa State Bank sits 0.72 points lower, at 3.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 6.70% |
| Yield on securities | 2.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.46% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.23% |
| Yield to cost spread | 2.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.0M |
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 | 4.54% | 1.97% | 2.73% | 5.92% | 2.51% |
| Q4 2023 | 4.66% | 2.46% | 2.36% | 6.07% | 2.55% |
| Q1 2024 | 4.90% | 2.62% | 2.45% | 6.34% | 2.52% |
| Q2 2024 | 5.16% | 2.82% | 2.51% | 6.67% | 2.53% |
| Q3 2024 | 5.21% | 2.97% | 2.49% | 6.66% | 2.58% |
| Q4 2024 | 5.15% | 2.75% | 2.67% | 6.62% | 2.48% |
| Q1 2025 | 5.08% | 2.48% | 2.84% | 6.51% | 2.40% |
| Q2 2025 | 5.32% | 2.58% | 3.01% | 6.76% | 2.41% |
| Q3 2025 | 5.33% | 2.50% | 3.00% | 6.70% | 2.43% |
| Q4 2025 | 5.29% | 2.35% | 3.12% | 6.64% | 2.43% |
| Q1 2026 | 5.20% | 2.19% | 3.16% | 6.56% | 2.38% |
| Q2 2026 | 5.28% | 2.20% | 3.23% | 6.70% | 2.30% |
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 950) · FFIEC NIC profile (RSSD 734248)