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, Net interest margin edged up by 0.09 percentage points, from 3.52% to 3.61%, the largest move among the key lines here. Iowa State Bank ranks 126th of 225 Iowa banks on net interest margin, in the lower half at 3.61% (Q2 2026). At 3.61%, Iowa State Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.43% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.3M |
| Total interest expense | $6.5M |
| Interest expense on deposits | $4.4M |
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 | 5.31% | 1.91% | 3.35% | 6.16% | 2.98% |
| Q4 2023 | 5.34% | 2.02% | 3.26% | 6.26% | 2.97% |
| Q1 2024 | 5.55% | 2.27% | 3.24% | 6.37% | 3.26% |
| Q2 2024 | 5.77% | 2.62% | 3.12% | 6.55% | 3.88% |
| Q3 2024 | 5.78% | 2.79% | 2.97% | 6.48% | 3.98% |
| Q4 2024 | 5.68% | 2.53% | 3.11% | 6.40% | 3.70% |
| Q1 2025 | 5.52% | 2.27% | 3.22% | 6.26% | 3.59% |
| Q2 2025 | 5.65% | 2.27% | 3.34% | 6.42% | 3.53% |
| Q3 2025 | 5.85% | 2.42% | 3.41% | 6.61% | 3.58% |
| Q4 2025 | 5.81% | 2.36% | 3.41% | 6.50% | 3.62% |
| Q1 2026 | 5.70% | 2.15% | 3.52% | 6.41% | 3.42% |
| Q2 2026 | 5.75% | 2.15% | 3.61% | 6.43% | 3.49% |
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 13953) · FFIEC NIC profile (RSSD 982348)