Pocahontas State 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: 42.91 percentage points lower than in Q1 2026, at 1.53%. On net interest margin, Pocahontas State Bank is 4th from the bottom among 225 Iowa banks, 1.93% (Q2 2026). Against a median of 3.95% for banks in the $100M-1B asset tier, Pocahontas State Bank reported 1.93% on net interest margin in Q2 2026, 2.02 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.45% |
| Yield on loans | 5.97% |
| Yield on securities | 2.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.27% |
| Cost of borrowings | 1.53% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.93% |
| Yield to cost spread | 1.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $641K |
| Total interest expense | $448K |
| Interest expense on deposits | $442K |
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 | 4.00% | 1.84% | 2.66% | 5.34% | 3.37% |
| Q4 2023 | 3.62% | 1.89% | 2.02% | 5.16% | 2.88% |
| Q1 2024 | 4.31% | 1.45% | 2.68% | 5.76% | 3.58% |
| Q2 2024 | 4.36% | 2.14% | 2.58% | 5.89% | 3.63% |
| Q3 2024 | 4.51% | 2.38% | 2.72% | 6.13% | 3.71% |
| Q4 2024 | 4.53% | 2.44% | 2.65% | 5.98% | 3.80% |
| Q1 2025 | 4.62% | 2.18% | 2.98% | 5.98% | 3.99% |
| Q2 2025 | 4.74% | 2.19% | 3.10% | 6.20% | 4.08% |
| Q3 2025 | 4.89% | 2.27% | 3.24% | 6.37% | 4.17% |
| Q4 2025 | 4.94% | 1.93% | 3.29% | 6.39% | 4.20% |
| Q1 2026 | 5.05% | 2.11% | 3.51% | 6.31% | 4.40% |
| Q2 2026 | 3.45% | 2.17% | 1.93% | 5.97% | 2.00% |
Pocahontas State 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 Pocahontas State 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 Pocahontas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 234) · FFIEC NIC profile (RSSD 402846)