Ohnward Bank & Trust: 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.
Total interest expense rose 4.8% from Q1 2026 to Q2 2026, ending at $2.4M against $2.3M. It was the largest change among the key lines on this page. Ohnward Bank & Trust ranks 49th of 225 Iowa banks on net interest margin, in the upper half at 4.02% (Q2 2026). At 4.02%, Ohnward Bank & Trust's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.06% |
| Yield on loans | 6.81% |
| Yield on securities | 2.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.61% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 3.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.3M |
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 | 5.30% | 2.03% | 3.42% | 6.27% | 1.77% |
| Q4 2023 | 5.51% | 2.30% | 3.40% | 6.47% | 1.79% |
| Q1 2024 | 5.62% | 2.46% | 3.36% | 6.61% | 1.70% |
| Q2 2024 | 5.75% | 2.59% | 3.40% | 6.73% | 1.74% |
| Q3 2024 | 5.88% | 2.70% | 3.43% | 6.96% | 1.78% |
| Q4 2024 | 5.89% | 2.56% | 3.57% | 6.92% | 1.91% |
| Q1 2025 | 5.81% | 2.41% | 3.58% | 6.74% | 2.10% |
| Q2 2025 | 6.03% | 2.42% | 3.81% | 6.90% | 2.48% |
| Q3 2025 | 6.16% | 2.46% | 3.91% | 7.06% | 2.68% |
| Q4 2025 | 6.08% | 2.41% | 3.91% | 6.94% | 2.68% |
| Q1 2026 | 5.93% | 2.23% | 3.94% | 6.74% | 2.82% |
| Q2 2026 | 6.06% | 2.25% | 4.02% | 6.81% | 2.92% |
Ohnward Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ohnward Bank & Trust, 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 Ohnward Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10111) · FFIEC NIC profile (RSSD 761543)