Midwest Heritage Bank, FSB: 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.
The standout move of Q2 2026 was in Total interest expense: 36.9% higher than in Q1 2026, at $2.7M. Within Iowa, Midwest Heritage Bank, FSB is 47th of 225 on net interest margin, 4.05% 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; Midwest Heritage Bank, FSB reported 4.05% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | 6.44% |
| Yield on securities | 3.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.5M |
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 | 5.21% | 2.16% | 3.15% | 5.56% | 2.68% |
| Q4 2023 | 5.35% | 2.25% | 3.25% | 5.72% | 2.39% |
| Q1 2024 | 5.40% | 2.13% | 3.40% | 5.82% | 2.68% |
| Q2 2024 | 5.63% | 2.27% | 3.47% | 6.01% | 2.80% |
| Q3 2024 | 5.62% | 2.41% | 3.36% | 6.18% | 2.71% |
| Q4 2024 | 5.54% | 2.53% | 3.22% | 6.18% | 2.59% |
| Q1 2025 | 5.38% | 2.22% | 3.38% | 6.11% | 2.59% |
| Q2 2025 | 5.84% | 2.21% | 3.81% | 6.43% | 2.64% |
| Q3 2025 | 5.87% | 2.39% | 3.76% | 6.40% | 2.65% |
| Q4 2025 | 5.67% | 2.17% | 3.74% | 6.18% | 2.98% |
| Q1 2026 | 5.55% | 1.85% | 3.89% | 6.16% | 3.06% |
| Q2 2026 | 5.69% | 1.83% | 4.05% | 6.44% | 3.55% |
Midwest Heritage Bank, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Heritage Bank, FSB, 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 Midwest Heritage Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4432) · FFIEC NIC profile (RSSD 203043)