Sloan 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.16 percentage points between Q1 2026 and Q2 2026, to 3.00%. Within Iowa, Sloan State Bank is 170th of 225 on net interest margin, 3.22% as of Q2 2026. Sloan State Bank reported 3.22% on net interest margin for Q2 2026, 0.65 points below the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.25% |
| Yield on loans | 6.39% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.44% |
| Cost of interest-bearing liabilities | 1.44% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $385K |
| Total interest expense | $202K |
| Interest expense on deposits | $202K |
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 | 3.67% | 0.80% | 2.94% | 5.89% | 2.50% |
| Q4 2023 | 3.81% | 1.05% | 2.85% | 5.99% | 2.53% |
| Q1 2024 | 3.87% | 1.05% | 2.93% | 6.04% | 2.51% |
| Q2 2024 | 3.94% | 1.10% | 2.93% | 6.12% | 2.52% |
| Q3 2024 | 4.40% | 1.20% | 3.23% | 6.30% | 2.98% |
| Q4 2024 | 4.28% | 1.16% | 3.17% | 6.32% | 2.90% |
| Q1 2025 | 4.23% | 1.09% | 3.16% | 6.26% | 2.90% |
| Q2 2025 | 4.33% | 0.97% | 3.37% | 6.37% | 3.00% |
| Q3 2025 | 4.39% | 0.97% | 3.44% | 6.54% | 2.90% |
| Q4 2025 | 4.32% | 1.03% | 3.33% | 6.53% | 2.84% |
| Q1 2026 | 4.22% | 0.95% | 3.22% | 6.32% | 2.84% |
| Q2 2026 | 4.25% | 1.00% | 3.22% | 6.39% | 3.00% |
Sloan 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 Sloan 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 Sloan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8507) · FFIEC NIC profile (RSSD 481748)