Leighton State 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 2.5% in Q2 2026 to $1.4M, the biggest move on this page. Leighton State Bank ranks 77th of 225 Iowa banks on net interest margin, in the upper half at 3.82% (Q2 2026). Leighton State Bank reported 3.82% on net interest margin for Q2 2026, 0.12 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 6.47% |
| Yield on securities | 3.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 4.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 4.82% | 1.79% | 3.17% | 5.56% | 1.56% |
| Q4 2023 | 5.00% | 2.12% | 3.03% | 5.72% | 1.96% |
| Q1 2024 | 5.17% | 2.19% | 3.12% | 5.87% | 2.08% |
| Q2 2024 | 5.26% | 2.27% | 3.15% | 5.95% | 2.35% |
| Q3 2024 | 5.44% | 2.44% | 3.20% | 6.15% | 2.59% |
| Q4 2024 | 5.40% | 2.45% | 3.12% | 6.11% | 2.50% |
| Q1 2025 | 5.35% | 2.36% | 3.15% | 6.05% | 2.80% |
| Q2 2025 | 5.50% | 2.36% | 3.31% | 6.19% | 2.94% |
| Q3 2025 | 5.66% | 2.34% | 3.48% | 6.33% | 3.21% |
| Q4 2025 | 5.79% | 2.30% | 3.64% | 6.45% | 3.36% |
| Q1 2026 | 5.73% | 2.16% | 3.71% | 6.37% | 3.46% |
| Q2 2026 | 5.84% | 2.17% | 3.82% | 6.47% | 3.56% |
Leighton State 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 Leighton State 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 Leighton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10118) · FFIEC NIC profile (RSSD 936640)