NSB 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.
In Q2 2026, Yield on securities edged up by 0.17 percentage points, from 2.09% to 2.26%, the largest move among the key lines here. Within Iowa, NSB Bank is 181st of 225 on net interest margin, 3.12% as of Q2 2026, below the middle of the field. NSB Bank reported 3.12% on net interest margin for Q2 2026, 0.83 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 6.04% |
| Yield on securities | 2.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | 4.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.12% |
| Yield to cost spread | 2.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.1M |
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 | 4.35% | 1.48% | 2.91% | 5.56% | 1.56% |
| Q4 2023 | 4.53% | 1.94% | 2.65% | 5.75% | 1.52% |
| Q1 2024 | 4.70% | 2.19% | 2.63% | 5.78% | 1.66% |
| Q2 2024 | 4.79% | 2.38% | 2.54% | 5.89% | 1.66% |
| Q3 2024 | 4.98% | 2.66% | 2.47% | 6.11% | 1.66% |
| Q4 2024 | 4.98% | 2.65% | 2.48% | 6.09% | 1.64% |
| Q1 2025 | 5.04% | 2.41% | 2.76% | 6.11% | 1.81% |
| Q2 2025 | 4.96% | 2.41% | 2.69% | 5.99% | 1.80% |
| Q3 2025 | 5.14% | 2.33% | 3.00% | 6.18% | 1.87% |
| Q4 2025 | 5.13% | 2.26% | 3.04% | 6.08% | 2.16% |
| Q1 2026 | 5.08% | 2.15% | 3.04% | 5.88% | 2.38% |
| Q2 2026 | 5.16% | 2.16% | 3.12% | 6.04% | 2.44% |
NSB 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 NSB 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 NSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8094) · FFIEC NIC profile (RSSD 253646)