Keystone 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.
Cost of interest-bearing deposits rose 0.32 percentage points from Q1 2026 to Q2 2026, ending at 2.23% against 1.91%. It was the largest change among the key lines on this page. Keystone Savings Bank ranks 145th of 225 Iowa banks on net interest margin, in the lower half at 3.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Keystone Savings Bank sits 0.50 points lower, at 3.45% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 6.30% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 4.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 2.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $853K |
| Interest expense on deposits | $742K |
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 | 4.59% | 1.24% | 3.45% | 5.64% | 2.28% |
| Q4 2023 | 4.77% | 1.31% | 3.58% | 5.77% | 2.59% |
| Q1 2024 | 4.72% | 1.49% | 3.34% | 5.77% | 2.46% |
| Q2 2024 | 4.74% | 1.65% | 3.22% | 5.69% | 2.51% |
| Q3 2024 | 4.90% | 1.69% | 3.34% | 5.88% | 2.59% |
| Q4 2024 | 4.89% | 1.68% | 3.35% | 5.95% | 2.63% |
| Q1 2025 | 5.00% | 1.62% | 3.52% | 6.16% | 2.78% |
| Q2 2025 | 5.04% | 1.86% | 3.33% | 6.18% | 3.17% |
| Q3 2025 | 5.21% | 1.95% | 3.44% | 6.35% | 3.27% |
| Q4 2025 | 5.17% | 2.04% | 3.31% | 6.41% | 3.28% |
| Q1 2026 | 5.05% | 1.71% | 3.49% | 6.11% | 3.18% |
| Q2 2026 | 5.15% | 1.74% | 3.45% | 6.30% | 3.42% |
Keystone 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 Keystone 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 Keystone Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17993) · FFIEC NIC profile (RSSD 931944)