Shelby County 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.
Compared with Q1 2026, Total interest expense fell 6.1% in Q2 2026 to $1.5M, the biggest move on this page. Within Iowa, Shelby County State Bank is 43rd of 225 on net interest margin, 4.07% as of Q2 2026, above the middle of the field. Shelby County State Bank reported 4.07% on net interest margin for Q2 2026, 0.12 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 6.00% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.67% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $1.5M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.32% | 1.38% | 3.07% | 5.09% | 2.68% |
| Q4 2023 | 4.48% | 1.68% | 2.95% | 5.27% | 2.71% |
| Q1 2024 | 4.67% | 1.87% | 2.95% | 5.45% | 2.83% |
| Q2 2024 | 4.82% | 2.04% | 2.94% | 5.62% | 2.88% |
| Q3 2024 | 4.95% | 2.03% | 3.08% | 5.76% | 2.89% |
| Q4 2024 | 4.95% | 1.80% | 3.29% | 5.75% | 2.93% |
| Q1 2025 | 4.93% | 1.52% | 3.54% | 5.69% | 2.98% |
| Q2 2025 | 5.15% | 1.62% | 3.66% | 5.90% | 3.02% |
| Q3 2025 | 5.23% | 1.69% | 3.68% | 5.99% | 2.89% |
| Q4 2025 | 5.23% | 1.54% | 3.83% | 6.02% | 2.94% |
| Q1 2026 | 5.13% | 1.36% | 3.88% | 5.85% | 3.07% |
| Q2 2026 | 5.25% | 1.25% | 4.07% | 6.00% | 3.25% |
Shelby County 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 Shelby County 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 Shelby County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1553) · FFIEC NIC profile (RSSD 536349)