Iowa State Bank and Trust Company: 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.
The standout move of Q2 2026 was in Total interest expense: 13.2% higher than in Q1 2026, at $2.1M. Within Iowa, Iowa State Bank and Trust Company is 136th of 225 on net interest margin, 3.52% as of Q2 2026, below the middle of the field. Iowa State Bank and Trust Company reported 3.52% on net interest margin for Q2 2026, 0.43 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.07% |
| Yield on loans | 6.45% |
| Yield on securities | 5.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.69% |
| Cost of interest-bearing deposits | 3.16% |
| Cost of interest-bearing liabilities | 3.23% |
| Cost of borrowings | 3.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.9M |
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 | 5.13% | 2.42% | 2.83% | 5.34% | 3.73% |
| Q4 2023 | 5.47% | 2.60% | 2.99% | 5.65% | 3.72% |
| Q1 2024 | 5.59% | 2.71% | 2.98% | 5.80% | 4.33% |
| Q2 2024 | 5.76% | 2.87% | 3.03% | 5.96% | 4.63% |
| Q3 2024 | 5.97% | 3.62% | 2.63% | 6.14% | 4.85% |
| Q4 2024 | 5.98% | 3.05% | 3.10% | 6.20% | 4.75% |
| Q1 2025 | 5.90% | 2.85% | 3.17% | 6.13% | 4.79% |
| Q2 2025 | 5.98% | 2.82% | 3.21% | 6.28% | 4.87% |
| Q3 2025 | 6.07% | 2.82% | 3.31% | 6.42% | 5.05% |
| Q4 2025 | 6.13% | 2.74% | 3.57% | 6.48% | 5.25% |
| Q1 2026 | 6.00% | 2.51% | 3.61% | 6.37% | 4.97% |
| Q2 2026 | 6.07% | 2.69% | 3.52% | 6.45% | 5.06% |
Iowa State Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14413) · FFIEC NIC profile (RSSD 651541)