Its 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.
Net interest margin dropped 1.00 percentage points in Q2 2026, from 5.16% to 4.16%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Its Bank is 28th of 225 on net interest margin, 4.16% as of Q2 2026. Its Bank reported 4.16% on net interest margin for Q2 2026, 0.29 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.23% |
| Yield on loans | — |
| Yield on securities | 3.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.80% |
| Cost of interest-bearing deposits | 4.80% |
| Cost of interest-bearing liabilities | 4.80% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | -0.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $6K |
| Interest expense on deposits | $6K |
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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 6.91% | 2.40% | 6.76% | 3.92% |
| Q4 2023 | 7.68% | 4.00% | 7.47% | 4.32% |
| Q1 2024 | 7.89% | 3.20% | 7.72% | 4.31% |
| Q2 2024 | 6.71% | 3.20% | 6.57% | 3.86% |
| Q3 2024 | 5.31% | 4.80% | 5.22% | 4.85% |
| Q4 2024 | 5.14% | 4.80% | 5.06% | 4.63% |
| Q1 2025 | 5.19% | 4.80% | 5.10% | 4.59% |
| Q2 2025 | 5.18% | 4.80% | 5.10% | 4.58% |
| Q3 2025 | 5.23% | 4.00% | 5.16% | 4.61% |
| Q4 2025 | 5.32% | 4.80% | 5.23% | 4.61% |
| Q1 2026 | 5.23% | 4.00% | 5.16% | 4.53% |
| Q2 2026 | 4.23% | 4.80% | 4.16% | 3.76% |
Its 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 Its 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 Its Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34619) · FFIEC NIC profile (RSSD 2774707)