Iowa Trust & 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.
Compared with Q1 2026, Total interest expense rose 3.1% in Q2 2026 to $2.5M, the biggest move on this page. Iowa Trust & Savings Bank ranks 115th of 225 Iowa banks on net interest margin, in the lower half at 3.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Iowa Trust & Savings Bank sits 0.29 points lower, at 3.66% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.31% |
| Yield on securities | 3.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 1.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.3M |
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 | 5.25% | 2.23% | 3.16% | 5.77% | 3.86% |
| Q4 2023 | 5.34% | 2.27% | 3.11% | 5.80% | 3.93% |
| Q1 2024 | 5.66% | 2.35% | 3.37% | 6.17% | 3.93% |
| Q2 2024 | 5.74% | 2.58% | 3.33% | 6.33% | 3.97% |
| Q3 2024 | 5.71% | 2.82% | 3.14% | 6.21% | 3.78% |
| Q4 2024 | 5.68% | 2.84% | 3.06% | 6.27% | 3.63% |
| Q1 2025 | 5.62% | 2.61% | 3.22% | 6.24% | 3.60% |
| Q2 2025 | 5.74% | 2.64% | 3.33% | 6.42% | 3.51% |
| Q3 2025 | 5.67% | 2.55% | 3.40% | 6.34% | 3.65% |
| Q4 2025 | 5.54% | 2.27% | 3.49% | 6.24% | 3.68% |
| Q1 2026 | 5.49% | 2.14% | 3.54% | 6.15% | 3.85% |
| Q2 2026 | 5.66% | 2.21% | 3.66% | 6.31% | 3.86% |
Iowa Trust & 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 & 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 & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18400) · FFIEC NIC profile (RSSD 649342)