Premier 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.0% between Q1 2026 and Q2 2026, to $5.2M. Premier Bank ranks 53rd of 225 Iowa banks on net interest margin, in the upper half at 4.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; Premier Bank reported 4.00% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.53% |
| Yield on loans | 6.82% |
| Yield on securities | 4.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.81% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.11% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.5M |
| Total interest expense | $5.2M |
| Interest expense on deposits | $4.6M |
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 | 6.43% | 3.12% | 3.80% | 6.64% | 4.30% |
| Q4 2023 | 6.54% | 3.25% | 3.67% | 6.78% | 4.39% |
| Q1 2024 | 6.67% | 3.48% | 3.57% | 6.89% | 4.78% |
| Q2 2024 | 6.92% | 3.78% | 3.50% | 7.15% | 4.82% |
| Q3 2024 | 7.08% | 3.84% | 3.57% | 7.35% | 4.87% |
| Q4 2024 | 7.00% | 3.48% | 3.79% | 7.25% | 5.01% |
| Q1 2025 | 6.65% | 3.25% | 3.66% | 6.87% | 4.86% |
| Q2 2025 | 6.96% | 3.27% | 3.96% | 7.16% | 4.83% |
| Q3 2025 | 6.85% | 3.30% | 3.91% | 7.21% | 5.03% |
| Q4 2025 | 6.61% | 3.09% | 3.76% | 6.80% | 5.04% |
| Q1 2026 | 6.51% | 2.81% | 3.96% | 6.72% | 4.78% |
| Q2 2026 | 6.53% | 2.81% | 4.00% | 6.82% | 4.85% |
Premier 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 Premier 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 Premier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34384) · FFIEC NIC profile (RSSD 2539960)