The Readlyn 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.
In Q2 2026, Net interest margin edged down by 0.10 percentage points, from 3.39% to 3.29%, the largest move among the key lines here. The Readlyn Savings Bank ranks 162nd of 225 Iowa banks on net interest margin, in the lower half at 3.29% (Q2 2026). The Readlyn Savings Bank reported 3.29% on net interest margin for Q2 2026, 0.66 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.09% |
| Yield on loans | 5.91% |
| Yield on securities | 3.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.61% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 3.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.29% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $645K |
| Interest expense on deposits | $571K |
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 | 4.89% | 1.92% | 3.34% | 5.61% | 2.77% |
| Q4 2023 | 5.24% | 2.13% | 3.44% | 5.82% | 3.25% |
| Q1 2024 | 5.26% | 2.25% | 3.34% | 5.86% | 3.05% |
| Q2 2024 | 5.43% | 2.37% | 3.41% | 6.02% | 3.14% |
| Q3 2024 | 5.47% | 2.45% | 3.39% | 6.09% | 3.00% |
| Q4 2024 | 5.42% | 2.42% | 3.36% | 6.07% | 2.98% |
| Q1 2025 | 5.27% | 2.29% | 3.33% | 5.98% | 2.79% |
| Q2 2025 | 5.36% | 2.31% | 3.44% | 6.16% | 2.70% |
| Q3 2025 | 5.05% | 2.31% | 3.12% | 5.72% | 2.88% |
| Q4 2025 | 5.75% | 2.21% | 3.85% | 6.93% | 3.15% |
| Q1 2026 | 5.17% | 2.11% | 3.39% | 6.05% | 3.29% |
| Q2 2026 | 5.09% | 2.10% | 3.29% | 5.91% | 3.35% |
The Readlyn 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 The Readlyn 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 The Readlyn Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9300) · FFIEC NIC profile (RSSD 287342)