Sanborn 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, Cost of funds edged up by 0.14 percentage points, from 2.70% to 2.84%, the largest move among the key lines here. Within Iowa, Sanborn Savings Bank is 150th of 225 on net interest margin, 3.38% as of Q2 2026, below the middle of the field. Sanborn Savings Bank reported 3.38% on net interest margin for Q2 2026, 0.51 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.09% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.84% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $998K |
| Total interest expense | $459K |
| Interest expense on deposits | $313K |
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 | 4.66% | 2.50% | 2.69% | 5.75% | 1.95% |
| Q4 2023 | 4.85% | 2.60% | 2.77% | 5.82% | 2.19% |
| Q1 2024 | 4.98% | 2.68% | 2.77% | 5.90% | 2.48% |
| Q2 2024 | 5.17% | 3.16% | 2.67% | 6.05% | 2.51% |
| Q3 2024 | 5.48% | 3.25% | 2.89% | 6.23% | 2.77% |
| Q4 2024 | 5.46% | 2.61% | 3.24% | 6.19% | 2.83% |
| Q1 2025 | 5.30% | 2.45% | 3.27% | 6.02% | 2.80% |
| Q2 2025 | 5.46% | 2.78% | 3.26% | 6.17% | 3.00% |
| Q3 2025 | 5.61% | 3.02% | 3.25% | 6.29% | 3.20% |
| Q4 2025 | 5.54% | 2.95% | 3.25% | 6.22% | 3.20% |
| Q1 2026 | 5.46% | 2.70% | 3.38% | 6.11% | 3.20% |
| Q2 2026 | 5.46% | 2.84% | 3.38% | 6.09% | 3.30% |
Sanborn 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 Sanborn 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 Sanborn Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11352) · FFIEC NIC profile (RSSD 595944)