Security 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.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.71 percentage points to 3.20%. On net interest margin, Security Savings Bank ranks 6th highest among the 225 banks headquartered in Iowa, at 4.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Security Savings Bank sits 0.93 points higher, at 4.88% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | 6.52% |
| Yield on securities | 4.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.57% |
| Cost of interest-bearing liabilities | 1.59% |
| Cost of borrowings | 3.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.88% |
| Yield to cost spread | 4.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $524K |
| Interest expense on deposits | $506K |
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 | 4.99% | 1.17% | 3.86% | 5.47% | 4.10% |
| Q4 2023 | 5.22% | 1.35% | 3.91% | 5.62% | 4.38% |
| Q1 2024 | 5.16% | 1.40% | 3.82% | 5.61% | 4.28% |
| Q2 2024 | 5.39% | 1.47% | 3.99% | 6.20% | 3.30% |
| Q3 2024 | 5.58% | 1.47% | 4.19% | 6.10% | 4.16% |
| Q4 2024 | 5.61% | 1.39% | 4.31% | 6.17% | 4.01% |
| Q1 2025 | 5.53% | 1.27% | 4.33% | 6.06% | 4.17% |
| Q2 2025 | 5.61% | 1.26% | 4.44% | 6.19% | 4.18% |
| Q3 2025 | 5.89% | 1.32% | 4.66% | 6.36% | 4.34% |
| Q4 2025 | 5.84% | 1.35% | 4.60% | 6.42% | 4.23% |
| Q1 2026 | 5.76% | 1.22% | 4.63% | 6.31% | 4.23% |
| Q2 2026 | 6.04% | 1.25% | 4.88% | 6.52% | 4.32% |
Security 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 Security 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 Security Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14208) · FFIEC NIC profile (RSSD 616540)