South Ottumwa 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 7.4% to $1.8M. Within Iowa, South Ottumwa Savings Bank is 153rd of 225 on net interest margin, 3.36% as of Q2 2026, below the middle of the field. South Ottumwa Savings Bank reported 3.36% on net interest margin for Q2 2026, 0.59 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | 6.00% |
| Yield on securities | 2.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 2.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 4.01% | 1.21% | 2.89% | 5.24% | 2.18% |
| Q4 2023 | 4.11% | 1.46% | 2.77% | 5.35% | 2.15% |
| Q1 2024 | 4.19% | 1.64% | 2.68% | 5.45% | 2.10% |
| Q2 2024 | 4.28% | 1.69% | 2.73% | 5.51% | 2.07% |
| Q3 2024 | 4.41% | 1.78% | 2.78% | 5.68% | 2.07% |
| Q4 2024 | 4.52% | 1.79% | 2.89% | 5.76% | 2.04% |
| Q1 2025 | 4.47% | 1.64% | 2.96% | 5.67% | 2.15% |
| Q2 2025 | 4.62% | 1.57% | 3.19% | 5.85% | 2.29% |
| Q3 2025 | 4.76% | 1.58% | 3.33% | 6.00% | 2.37% |
| Q4 2025 | 4.87% | 1.56% | 3.46% | 6.14% | 2.39% |
| Q1 2026 | 4.77% | 1.49% | 3.41% | 5.93% | 2.38% |
| Q2 2026 | 4.74% | 1.53% | 3.36% | 6.00% | 2.43% |
South Ottumwa 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 South Ottumwa 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 South Ottumwa Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9099) · FFIEC NIC profile (RSSD 75446)