Marion County 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 fell 5.6% in Q2 2026 to $2.1M, the biggest move on this page. Within Iowa, Marion County State Bank is 69th of 225 on net interest margin, 3.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Marion County State Bank reported 3.87% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 5.90% |
| Yield on securities | 2.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.79% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.0M |
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 | 4.04% | 1.33% | 2.81% | 4.98% | 2.01% |
| Q4 2023 | 4.42% | 1.48% | 3.06% | 5.51% | 2.02% |
| Q1 2024 | 4.47% | 1.60% | 2.98% | 5.38% | 2.01% |
| Q2 2024 | 4.60% | 1.83% | 2.92% | 5.51% | 2.01% |
| Q3 2024 | 4.73% | 2.00% | 2.88% | 5.68% | 2.04% |
| Q4 2024 | 4.78% | 1.87% | 3.06% | 5.74% | 2.04% |
| Q1 2025 | 4.75% | 1.73% | 3.13% | 5.64% | 2.08% |
| Q2 2025 | 4.91% | 1.67% | 3.36% | 5.75% | 2.17% |
| Q3 2025 | 5.01% | 1.77% | 3.36% | 5.87% | 2.20% |
| Q4 2025 | 5.08% | 1.78% | 3.42% | 5.91% | 2.22% |
| Q1 2026 | 5.12% | 1.55% | 3.69% | 5.81% | 2.34% |
| Q2 2026 | 5.24% | 1.52% | 3.87% | 5.90% | 2.43% |
Marion County 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 Marion County 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 Marion County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15272) · FFIEC NIC profile (RSSD 97943)