Montezuma 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.
The largest change between Q1 2026 and Q2 2026 was in Yield on loans, which fell 0.51 percentage points to 6.93%. Montezuma State Bank ranks 45th of 225 Iowa banks on net interest margin, in the upper half at 4.06% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Montezuma State Bank sits 0.17 points higher, at 4.06% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 6.93% |
| Yield on securities | 2.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.14% |
| Cost of interest-bearing deposits | 1.44% |
| Cost of interest-bearing liabilities | 1.44% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $396K |
| Total interest expense | $132K |
| Interest expense on deposits | $132K |
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 | 5.44% | 1.23% | 4.28% | 7.95% | 2.48% |
| Q4 2023 | 5.56% | 1.53% | 4.13% | 6.67% | 2.60% |
| Q1 2024 | 5.15% | 1.55% | 3.66% | 6.71% | 2.69% |
| Q2 2024 | 5.46% | 1.59% | 4.00% | 6.66% | 2.77% |
| Q3 2024 | 5.41% | 1.71% | 3.87% | 7.63% | 2.97% |
| Q4 2024 | 5.63% | 1.76% | 4.04% | 6.99% | 2.96% |
| Q1 2025 | 5.00% | 1.65% | 3.49% | 6.97% | 2.64% |
| Q2 2025 | 5.24% | 1.60% | 3.79% | 6.94% | 2.60% |
| Q3 2025 | 4.84% | 1.56% | 3.43% | 7.01% | 2.90% |
| Q4 2025 | 5.59% | 1.38% | 4.35% | 7.86% | 2.94% |
| Q1 2026 | 4.98% | 1.19% | 3.91% | 7.44% | 3.05% |
| Q2 2026 | 5.08% | 1.14% | 4.06% | 6.93% | 2.95% |
Montezuma 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 Montezuma 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 Montezuma State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1860) · FFIEC NIC profile (RSSD 700140)