Sibley 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.
Cost of borrowings fell 0.36 percentage points from Q1 2026 to Q2 2026, ending at 0.84% against 1.20%. It was the largest change among the key lines on this page. Sibley State Bank ranks 87th of 225 Iowa banks on net interest margin, in the upper half at 3.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Sibley State Bank sits 0.16 points lower, at 3.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | 5.81% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.58% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | 0.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $964K |
| Total interest expense | $297K |
| Interest expense on deposits | $293K |
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 | 4.31% | 1.10% | 3.28% | 5.00% | 2.44% |
| Q4 2023 | 4.48% | 1.38% | 3.19% | 5.22% | 2.58% |
| Q1 2024 | 4.59% | 1.51% | 3.16% | 5.35% | 2.68% |
| Q2 2024 | 4.74% | 1.62% | 3.21% | 5.57% | 2.71% |
| Q3 2024 | 4.86% | 1.69% | 3.28% | 5.66% | 2.78% |
| Q4 2024 | 4.81% | 1.66% | 3.26% | 5.63% | 2.73% |
| Q1 2025 | 4.69% | 1.58% | 3.22% | 5.50% | 2.73% |
| Q2 2025 | 4.88% | 1.45% | 3.54% | 5.74% | 2.69% |
| Q3 2025 | 4.99% | 1.39% | 3.71% | 5.88% | 2.71% |
| Q4 2025 | 4.96% | 1.36% | 3.69% | 5.85% | 2.90% |
| Q1 2026 | 4.81% | 1.24% | 3.62% | 5.67% | 3.03% |
| Q2 2026 | 4.95% | 1.25% | 3.79% | 5.81% | 3.30% |
Sibley 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 Sibley 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 Sibley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11764) · FFIEC NIC profile (RSSD 598543)