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 up by 0.10 percentage points, from 3.51% to 3.61%, the largest move among the key lines here. Within Iowa, Savings Bank is 126th of 225 on net interest margin, 3.61% as of Q2 2026, below the middle of the field. Savings Bank reported 3.61% on net interest margin for Q2 2026, 0.34 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.56% |
| Cost of interest-bearing deposits | 2.80% |
| Cost of interest-bearing liabilities | 2.78% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.5M |
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 |
|---|---|---|---|
| Q3 2023 | 5.44% | 3.07% | 2.68% |
| Q4 2023 | 5.55% | 3.26% | 2.62% |
| Q1 2024 | 5.75% | 3.06% | 2.74% |
| Q2 2024 | 5.71% | 3.16% | 2.62% |
| Q3 2024 | 5.82% | 3.55% | 2.64% |
| Q4 2024 | 5.72% | 2.86% | 2.84% |
| Q1 2025 | 5.70% | 2.39% | 3.14% |
| Q2 2025 | 5.89% | 2.95% | 3.25% |
| Q3 2025 | 6.04% | 2.94% | 3.42% |
| Q4 2025 | 5.93% | 2.76% | 3.46% |
| Q1 2026 | 5.78% | 2.55% | 3.51% |
| Q2 2026 | 5.88% | 2.56% | 3.61% |
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 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13735) · FFIEC NIC profile (RSSD 588348)