Lincoln 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.
Net interest margin rose 0.24 percentage points from Q1 2026 to Q2 2026, ending at 3.07% against 2.83%. It was the largest change among the key lines on this page. Within Iowa, Lincoln Savings Bank is 185th of 225 on net interest margin, 3.07% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Lincoln Savings Bank sits 0.64 points lower, at 3.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 5.84% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.79% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.2M |
| Total interest expense | $9.3M |
| Interest expense on deposits | $8.6M |
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 | 5.15% | 2.70% | 2.57% | 5.54% | 3.67% |
| Q4 2023 | 5.25% | 2.90% | 2.51% | 5.70% | 3.67% |
| Q1 2024 | 5.32% | 3.07% | 2.40% | 5.77% | 3.50% |
| Q2 2024 | 5.47% | 3.19% | 2.43% | 5.87% | 3.79% |
| Q3 2024 | 5.41% | 3.30% | 2.25% | 5.74% | 3.91% |
| Q4 2024 | 5.54% | 3.14% | 2.50% | 5.92% | 3.82% |
| Q1 2025 | 5.50% | 2.88% | 2.69% | 5.90% | 3.74% |
| Q2 2025 | 5.33% | 2.87% | 2.57% | 5.76% | 3.86% |
| Q3 2025 | 5.49% | 2.74% | 2.88% | 5.86% | 4.28% |
| Q4 2025 | 5.18% | 2.55% | 2.73% | 5.76% | 3.62% |
| Q1 2026 | 5.11% | 2.39% | 2.83% | 5.65% | 4.02% |
| Q2 2026 | 5.33% | 2.37% | 3.07% | 5.84% | 4.24% |
Lincoln 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 Lincoln 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 Lincoln Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14207) · FFIEC NIC profile (RSSD 589943)