Iowa Trust and Savings 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 3.59% to 3.68%, the largest move among the key lines here. Iowa Trust and Savings Bank ranks 109th of 225 Iowa banks on net interest margin, in the upper half at 3.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Iowa Trust and Savings Bank sits 0.27 points lower, at 3.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.91% |
| Yield on loans | 7.05% |
| Yield on securities | 3.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 1.14% |
| Cost of interest-bearing liabilities | 1.73% |
| Cost of borrowings | 3.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $656K |
| Interest expense on deposits | $311K |
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 | 3.88% | 0.82% | 3.16% | 5.68% | 2.37% |
| Q4 2023 | 4.03% | 0.91% | 3.21% | 5.95% | 2.38% |
| Q1 2024 | 4.12% | 1.02% | 3.21% | 6.22% | 2.39% |
| Q2 2024 | 4.36% | 1.11% | 3.38% | 6.44% | 2.42% |
| Q3 2024 | 4.57% | 1.13% | 3.56% | 6.78% | 2.43% |
| Q4 2024 | 4.68% | 1.20% | 3.61% | 6.82% | 2.63% |
| Q1 2025 | 4.59% | 1.16% | 3.56% | 6.63% | 2.79% |
| Q2 2025 | 4.94% | 1.35% | 3.76% | 6.96% | 2.93% |
| Q3 2025 | 5.03% | 1.45% | 3.77% | 7.14% | 2.97% |
| Q4 2025 | 5.03% | 1.52% | 3.71% | 7.07% | 3.02% |
| Q1 2026 | 4.82% | 1.38% | 3.59% | 6.94% | 2.98% |
| Q2 2026 | 4.91% | 1.40% | 3.68% | 7.05% | 3.02% |
Iowa Trust and Savings 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 Trust and Savings 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 Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1547) · FFIEC NIC profile (RSSD 202541)