Manufacturers Bank & Trust Company: 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 borrowings rose 0.43 percentage points from Q1 2026 to Q2 2026, ending at 4.03% against 3.60%. It was the largest change among the key lines on this page. Manufacturers Bank & Trust Company ranks 84th of 225 Iowa banks on net interest margin, in the upper half at 3.80% (Q2 2026). Manufacturers Bank & Trust Company reported 3.80% on net interest margin for Q2 2026, 0.15 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 6.25% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 4.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.0M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.8M |
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 | 4.43% | 1.43% | 3.04% | 5.38% | 1.68% |
| Q4 2023 | 4.68% | 1.79% | 2.96% | 5.63% | 1.69% |
| Q1 2024 | 4.80% | 2.02% | 2.86% | 5.72% | 1.74% |
| Q2 2024 | 4.94% | 2.08% | 2.90% | 5.86% | 1.77% |
| Q3 2024 | 5.17% | 2.11% | 3.09% | 6.11% | 1.80% |
| Q4 2024 | 5.08% | 2.17% | 3.01% | 5.97% | 1.80% |
| Q1 2025 | 5.13% | 2.04% | 3.18% | 6.00% | 1.85% |
| Q2 2025 | 5.39% | 1.93% | 3.55% | 6.31% | 2.07% |
| Q3 2025 | 5.34% | 1.88% | 3.55% | 6.19% | 2.39% |
| Q4 2025 | 5.41% | 1.84% | 3.66% | 6.28% | 2.50% |
| Q1 2026 | 5.40% | 1.77% | 3.71% | 6.15% | 2.97% |
| Q2 2026 | 5.50% | 1.79% | 3.80% | 6.25% | 3.05% |
Manufacturers Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Manufacturers Bank & Trust Company, 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 Manufacturers Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16307) · FFIEC NIC profile (RSSD 215345)