Mount Vernon Bank and 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.
In Q2 2026, Cost of borrowings edged up by 0.09 percentage points, from 4.27% to 4.36%, the largest move among the key lines here. Mount Vernon Bank and Trust Company ranks 172nd of 225 Iowa banks on net interest margin, in the lower half at 3.20% (Q2 2026). Mount Vernon Bank and Trust Company reported 3.20% on net interest margin for Q2 2026, 0.75 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 6.09% |
| Yield on securities | 2.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 4.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $898K |
| Interest expense on deposits | $823K |
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 | 4.23% | 2.36% | 2.07% | 5.05% | 2.12% |
| Q4 2023 | 4.41% | 2.68% | 1.95% | 5.20% | 2.19% |
| Q1 2024 | 4.55% | 2.69% | 2.10% | 5.38% | 2.14% |
| Q2 2024 | 4.65% | 2.72% | 2.15% | 5.49% | 2.17% |
| Q3 2024 | 4.83% | 2.83% | 2.32% | 5.72% | 2.17% |
| Q4 2024 | 4.80% | 2.62% | 2.37% | 5.78% | 2.14% |
| Q1 2025 | 4.86% | 2.48% | 2.61% | 5.80% | 2.17% |
| Q2 2025 | 4.99% | 2.35% | 2.82% | 5.92% | 2.20% |
| Q3 2025 | 5.12% | 2.39% | 2.94% | 6.10% | 2.22% |
| Q4 2025 | 5.20% | 2.30% | 3.12% | 6.14% | 2.20% |
| Q1 2026 | 5.06% | 2.13% | 3.17% | 6.10% | 2.07% |
| Q2 2026 | 5.08% | 2.11% | 3.20% | 6.09% | 2.08% |
Mount Vernon Bank and 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 Mount Vernon Bank and 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 Mount Vernon Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10494) · FFIEC NIC profile (RSSD 890649)