Palo 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.
Palo Savings Bank reported little change from Q1 2026 to Q2 2026. Yield to cost spread showed the biggest shift, 2.68% to 2.63%. Within Iowa, Palo Savings Bank is 180th of 225 on net interest margin, 3.13% as of Q2 2026, below the middle of the field. Palo Savings Bank reported 3.13% on net interest margin for Q2 2026, 0.76 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.60% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.13% |
| Yield to cost spread | 2.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $346K |
| Total interest expense | $177K |
| Interest expense on deposits | $177K |
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 |
|---|---|---|---|
| Q3 2023 | 4.29% | 1.17% | 3.11% |
| Q4 2023 | 4.45% | 1.46% | 2.97% |
| Q1 2024 | 4.56% | 1.69% | 2.83% |
| Q2 2024 | 4.67% | 1.75% | 2.93% |
| Q3 2024 | 4.71% | 1.83% | 2.82% |
| Q4 2024 | 4.65% | 1.82% | 2.73% |
| Q1 2025 | 5.20% | 1.72% | 3.14% |
| Q2 2025 | 4.71% | 1.70% | 2.96% |
| Q3 2025 | 4.75% | 1.66% | 3.06% |
| Q4 2025 | 4.80% | 1.61% | 3.21% |
| Q1 2026 | 4.63% | 1.49% | 3.15% |
| Q2 2026 | 4.60% | 1.52% | 3.13% |
Palo 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 Palo 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 Palo Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13990) · FFIEC NIC profile (RSSD 90047)