Solon 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.
Yield on securities dropped 1.03 percentage points in Q2 2026, from 4.77% to 3.74%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Solon State Bank sits 12th from the top on net interest margin, 4.48% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Solon State Bank sits 0.54 points higher, at 4.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 6.89% |
| Yield on securities | 3.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 4.15% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.48% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $453K |
| Interest expense on deposits | $414K |
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 | 5.52% | 1.09% | 4.61% | 6.84% | 3.88% |
| Q4 2023 | 5.83% | 1.18% | 4.85% | 7.21% | 3.91% |
| Q1 2024 | 5.78% | 1.93% | 4.20% | 7.03% | 3.93% |
| Q2 2024 | 6.01% | 2.01% | 4.33% | 7.26% | 4.08% |
| Q3 2024 | 6.30% | 1.97% | 4.68% | 7.65% | 4.17% |
| Q4 2024 | 7.30% | 1.87% | 5.74% | 9.22% | 4.11% |
| Q1 2025 | 6.24% | 1.90% | 4.63% | 7.28% | 4.33% |
| Q2 2025 | 6.39% | 1.86% | 4.79% | 7.49% | 4.26% |
| Q3 2025 | 6.69% | 1.97% | 5.03% | 7.79% | 4.47% |
| Q4 2025 | 7.14% | 1.87% | 5.60% | 8.39% | 4.33% |
| Q1 2026 | 6.36% | 1.94% | 4.81% | 7.04% | 4.77% |
| Q2 2026 | 5.99% | 1.90% | 4.48% | 6.89% | 3.74% |
Solon 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 Solon 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 Solon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 232) · FFIEC NIC profile (RSSD 185448)