Northeast Security 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 Total interest expense, which rose 7.0% to $1.7M. Northeast Security Bank ranks 174th of 225 Iowa banks on net interest margin, in the lower half at 3.18% (Q2 2026). Northeast Security Bank reported 3.18% on net interest margin for Q2 2026, 0.77 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.81% |
| Yield on loans | 5.89% |
| Yield on securities | 2.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 4.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.18% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.5M |
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 | 3.76% | 1.64% | 2.25% | 5.01% | 2.09% |
| Q4 2023 | 3.86% | 1.84% | 2.15% | 5.19% | 1.98% |
| Q1 2024 | 4.11% | 1.93% | 2.31% | 5.36% | 2.16% |
| Q2 2024 | 4.26% | 2.03% | 2.38% | 5.53% | 2.18% |
| Q3 2024 | 4.63% | 1.96% | 2.82% | 6.06% | 2.19% |
| Q4 2024 | 4.45% | 1.93% | 2.69% | 5.72% | 2.21% |
| Q1 2025 | 4.55% | 1.83% | 2.87% | 5.69% | 2.48% |
| Q2 2025 | 4.69% | 1.87% | 2.99% | 5.84% | 2.55% |
| Q3 2025 | 4.79% | 1.87% | 3.10% | 5.95% | 2.59% |
| Q4 2025 | 4.76% | 1.76% | 3.14% | 5.90% | 2.61% |
| Q1 2026 | 4.76% | 1.68% | 3.21% | 5.81% | 2.72% |
| Q2 2026 | 4.81% | 1.77% | 3.18% | 5.89% | 2.75% |
Northeast Security 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 Northeast Security 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 Northeast Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18384) · FFIEC NIC profile (RSSD 442244)