New Albin 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 0.40 percentage points in Q2 2026 to 4.63%, the biggest move on this page. On net interest margin, New Albin Savings Bank is 6th from the bottom among 225 Iowa banks, 2.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. New Albin Savings Bank sits 1.90 points lower, at 2.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.60% |
| Yield on loans | 5.33% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.99% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.19% |
| Cost of borrowings | 4.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.05% |
| Yield to cost spread | 1.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.2M |
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 | 4.37% | 2.97% | 1.86% | 4.52% | 4.28% |
| Q4 2023 | 4.49% | 3.17% | 1.80% | 4.62% | 4.41% |
| Q1 2024 | 4.51% | 3.25% | 1.76% | 4.69% | 4.39% |
| Q2 2024 | 4.60% | 3.40% | 1.73% | 4.82% | 4.45% |
| Q3 2024 | 4.66% | 3.54% | 1.66% | 4.97% | 4.48% |
| Q4 2024 | 4.61% | 3.50% | 1.66% | 5.02% | 4.39% |
| Q1 2025 | 4.52% | 3.31% | 1.71% | 4.99% | 4.27% |
| Q2 2025 | 4.60% | 3.33% | 1.76% | 5.12% | 4.34% |
| Q3 2025 | 4.68% | 3.28% | 1.90% | 5.27% | 4.37% |
| Q4 2025 | 4.62% | 3.17% | 1.93% | 5.32% | 4.26% |
| Q1 2026 | 4.52% | 3.00% | 1.96% | 5.25% | 4.14% |
| Q2 2026 | 4.60% | 2.99% | 2.05% | 5.33% | 4.24% |
New Albin 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 New Albin 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 New Albin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8506) · FFIEC NIC profile (RSSD 234841)