Pioneer 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 standout move of Q2 2026 was in Cost of borrowings: 2.11 percentage points lower than in Q1 2026, at 9.62%. Pioneer Bank ranks 81st of 225 Iowa banks on net interest margin, in the upper half at 3.81% (Q2 2026). Pioneer Bank reported 3.81% on net interest margin for Q2 2026, 0.14 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 9.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.1M |
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 |
|---|---|---|---|
| Q3 2023 | 4.30% | 1.76% | 2.68% |
| Q4 2023 | 4.35% | 2.00% | 2.51% |
| Q1 2024 | 4.78% | 1.99% | 2.94% |
| Q2 2024 | 4.85% | 1.98% | 3.04% |
| Q3 2024 | 4.91% | 2.10% | 2.98% |
| Q4 2024 | 4.86% | 2.00% | 3.03% |
| Q1 2025 | 4.86% | 1.97% | 3.02% |
| Q2 2025 | 5.01% | 2.04% | 3.09% |
| Q3 2025 | 5.16% | 2.08% | 3.24% |
| Q4 2025 | 5.26% | 1.99% | 3.44% |
| Q1 2026 | 5.26% | 1.89% | 3.52% |
| Q2 2026 | 5.50% | 1.86% | 3.81% |
Pioneer 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 Pioneer 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 Pioneer Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19540) · FFIEC NIC profile (RSSD 300942)