Mediapolis 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.
Compared with Q1 2026, Cost of borrowings rose 0.48 percentage points in Q2 2026 to 4.47%, the biggest move on this page. Within Iowa, Mediapolis Savings Bank is 78th of 225 on net interest margin, 3.82% 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. Mediapolis Savings Bank sits 0.13 points lower, at 3.82% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.60% |
| Yield on securities | 2.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 4.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 4.51% | 1.70% | 2.92% | 5.35% | 2.34% |
| Q4 2023 | 4.63% | 1.87% | 2.91% | 5.50% | 2.32% |
| Q1 2024 | 4.84% | 2.35% | 2.73% | 5.75% | 2.30% |
| Q2 2024 | 5.12% | 2.39% | 2.85% | 6.08% | 2.25% |
| Q3 2024 | 5.30% | 2.33% | 3.09% | 6.27% | 2.23% |
| Q4 2024 | 5.39% | 2.28% | 3.23% | 6.34% | 2.19% |
| Q1 2025 | 5.38% | 2.21% | 3.27% | 6.32% | 2.16% |
| Q2 2025 | 5.72% | 2.29% | 3.53% | 6.72% | 2.16% |
| Q3 2025 | 5.64% | 2.31% | 3.46% | 6.60% | 1.94% |
| Q4 2025 | 5.70% | 2.25% | 3.58% | 6.62% | 1.91% |
| Q1 2026 | 5.70% | 2.13% | 3.69% | 6.51% | 1.92% |
| Q2 2026 | 5.85% | 2.16% | 3.82% | 6.60% | 2.15% |
Mediapolis 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 Mediapolis 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 Mediapolis Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15772) · FFIEC NIC profile (RSSD 826648)