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.
Net interest margin rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 5.15% against 4.85%. It was the largest change among the key lines on this page. On net interest margin, Security State Bank ranks 2nd highest among the 225 banks headquartered in Iowa, at 5.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Security State Bank sits 1.21 points higher, at 5.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.20% |
| Yield on loans | 7.06% |
| Yield on securities | 3.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.15% |
| Yield to cost spread | 4.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $285K |
| Interest expense on deposits | $285K |
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 | 5.30% | 0.97% | 4.50% | 6.30% | 3.38% |
| Q4 2023 | 5.39% | 1.14% | 4.49% | 6.43% | 3.37% |
| Q1 2024 | 5.42% | 1.16% | 4.52% | 6.46% | 3.29% |
| Q2 2024 | 5.56% | 1.59% | 4.27% | 6.56% | 3.31% |
| Q3 2024 | 5.89% | 1.72% | 4.49% | 6.84% | 3.31% |
| Q4 2024 | 5.74% | 1.74% | 4.30% | 6.75% | 3.24% |
| Q1 2025 | 5.64% | 1.65% | 4.31% | 6.57% | 3.35% |
| Q2 2025 | 5.80% | 1.76% | 4.43% | 6.83% | 3.40% |
| Q3 2025 | 6.08% | 1.66% | 4.78% | 7.07% | 3.70% |
| Q4 2025 | 6.05% | 1.61% | 4.84% | 7.03% | 3.86% |
| Q1 2026 | 5.91% | 1.40% | 4.85% | 6.82% | 3.86% |
| Q2 2026 | 6.20% | 1.42% | 5.15% | 7.06% | 3.96% |
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 15839) · FFIEC NIC profile (RSSD 750846)