Security State 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 Yield on loans, which rose 0.42 percentage points to 6.50%. Within Iowa, Security State Bank is 197th of 225 on net interest margin, 2.97% as of Q2 2026. Security State Bank reported 2.97% on net interest margin for Q2 2026, 0.97 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 6.50% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.97% |
| Yield to cost spread | 2.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $894K |
| Total interest expense | $527K |
| Interest expense on deposits | $527K |
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 | 3.35% | 1.66% | 1.81% | 5.62% | 1.71% |
| Q4 2023 | 3.54% | 2.01% | 1.66% | 5.83% | 1.72% |
| Q1 2024 | 3.63% | 2.07% | 1.71% | 5.90% | 1.67% |
| Q2 2024 | 3.96% | 2.20% | 1.88% | 6.17% | 1.82% |
| Q3 2024 | 4.33% | 2.33% | 2.14% | 6.33% | 2.29% |
| Q4 2024 | 4.43% | 2.36% | 2.22% | 6.43% | 2.35% |
| Q1 2025 | 4.32% | 2.23% | 2.21% | 6.26% | 2.40% |
| Q2 2025 | 4.61% | 2.26% | 2.48% | 6.57% | 3.16% |
| Q3 2025 | 4.67% | 2.18% | 2.63% | 6.90% | 3.26% |
| Q4 2025 | 4.79% | 2.10% | 2.84% | 6.51% | 3.06% |
| Q1 2026 | 4.57% | 1.91% | 2.77% | 6.08% | 3.11% |
| Q2 2026 | 4.77% | 1.90% | 2.97% | 6.50% | 3.19% |
Security State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18448) · FFIEC NIC profile (RSSD 527749)