Security Trust & 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 2.75%. On net interest margin, Security Trust & Savings Bank is 13th from the bottom among 225 Iowa banks, 2.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Security Trust & Savings Bank sits 1.20 points lower, at 2.75% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.35% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.75% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.35% | 2.75% | 1.83% |
| Q4 2023 | 4.51% | 2.96% | 1.79% |
| Q1 2024 | 4.52% | 2.98% | 1.79% |
| Q2 2024 | 4.63% | 3.04% | 1.84% |
| Q3 2024 | 4.54% | 3.05% | 1.75% |
| Q4 2024 | 4.52% | 2.63% | 2.10% |
| Q1 2025 | 4.37% | 2.31% | 2.25% |
| Q2 2025 | 4.49% | 2.29% | 2.40% |
| Q3 2025 | 4.54% | 2.33% | 2.42% |
| Q4 2025 | 4.44% | 2.02% | 2.59% |
| Q1 2026 | 4.27% | 1.80% | 2.63% |
| Q2 2026 | 4.35% | 1.75% | 2.75% |
Security Trust & 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 Trust & 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 Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 968) · FFIEC NIC profile (RSSD 363648)