Pinnacle 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.
Cost of borrowings dropped 1.81 percentage points in Q2 2026, from 3.05% to 1.24%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Pinnacle Bank is 63rd of 225 on net interest margin, 3.93% as of Q2 2026. At 3.93%, Pinnacle Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | 6.25% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 1.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.43% | 0.99% | 4.53% | 6.01% | 3.45% |
| Q4 2023 | 5.50% | 2.27% | 3.42% | 5.99% | 3.73% |
| Q1 2024 | 5.49% | 2.39% | 3.31% | 6.01% | 3.28% |
| Q2 2024 | 5.86% | 2.37% | 3.64% | 6.49% | 3.35% |
| Q3 2024 | 5.62% | 2.27% | 3.50% | 6.19% | 3.30% |
| Q4 2024 | 5.65% | 3.23% | 2.61% | 6.28% | 3.28% |
| Q1 2025 | 5.40% | 2.28% | 3.29% | 5.93% | 3.47% |
| Q2 2025 | 5.61% | 2.19% | 3.54% | 6.18% | 3.61% |
| Q3 2025 | 5.90% | 2.02% | 4.00% | 6.57% | 3.57% |
| Q4 2025 | 5.48% | 1.94% | 3.67% | 6.22% | 3.38% |
| Q1 2026 | 5.34% | 1.82% | 3.64% | 5.98% | 3.53% |
| Q2 2026 | 5.53% | 1.74% | 3.93% | 6.25% | 3.66% |
Pinnacle 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 Pinnacle 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 Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 252) · FFIEC NIC profile (RSSD 365745)