Rolling Hills Bank & Trust: 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.
Total interest expense rose 3.6% from Q1 2026 to Q2 2026, ending at $1.8M against $1.7M. It was the largest change among the key lines on this page. Rolling Hills Bank & Trust ranks 37th of 225 Iowa banks on net interest margin, in the upper half at 4.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Rolling Hills Bank & Trust sits 0.16 points higher, at 4.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.67% |
| Yield on loans | 6.03% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 5.18% | 1.53% | 3.75% | 5.96% | 1.80% |
| Q4 2023 | 5.23% | 1.80% | 3.57% | 5.99% | 1.85% |
| Q1 2024 | 5.32% | 1.77% | 3.68% | 6.00% | 2.04% |
| Q2 2024 | 5.55% | 1.92% | 3.78% | 6.07% | 2.34% |
| Q3 2024 | 5.75% | 1.99% | 3.93% | 6.16% | 2.59% |
| Q4 2024 | 5.71% | 1.98% | 3.89% | 6.14% | 3.15% |
| Q1 2025 | 5.49% | 1.89% | 3.76% | 5.93% | 3.48% |
| Q2 2025 | 5.68% | 1.84% | 4.00% | 6.05% | 3.73% |
| Q3 2025 | 5.88% | 1.93% | 4.12% | 6.19% | 3.93% |
| Q4 2025 | 5.73% | 1.84% | 4.05% | 6.09% | 4.01% |
| Q1 2026 | 5.60% | 1.70% | 4.04% | 5.95% | 3.88% |
| Q2 2026 | 5.67% | 1.73% | 4.10% | 6.03% | 3.90% |
Rolling Hills Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rolling Hills Bank & Trust, 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 Rolling Hills Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15334) · FFIEC NIC profile (RSSD 882242)