South Story Bank & Trust: 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, Net interest margin rose 0.37 percentage points in Q2 2026 to 4.06%, the biggest move on this page. South Story Bank & Trust ranks 45th of 225 Iowa banks on net interest margin, in the upper half at 4.06% (Q2 2026). At 4.06%, South Story Bank & Trust's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.53% |
| Yield on loans | 6.65% |
| Yield on securities | 1.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.04% |
| Cost of interest-bearing liabilities | 3.04% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.5M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.3M |
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 | 5.58% | 2.51% | 2.70% | 5.70% | 2.17% |
| Q4 2023 | 5.68% | 3.01% | 2.63% | 5.79% | 2.16% |
| Q1 2024 | 5.91% | 3.19% | 2.69% | 6.04% | 2.13% |
| Q2 2024 | 6.05% | 3.22% | 2.80% | 6.18% | 2.15% |
| Q3 2024 | 6.19% | 3.45% | 2.85% | 6.32% | 2.22% |
| Q4 2024 | 6.06% | 3.16% | 3.03% | 6.23% | 0.77% |
| Q1 2025 | 6.12% | 3.01% | 3.35% | 6.29% | 2.31% |
| Q2 2025 | 6.28% | 3.24% | 3.44% | 6.40% | 2.26% |
| Q3 2025 | 6.72% | 3.30% | 3.77% | 6.86% | 2.29% |
| Q4 2025 | 6.37% | 3.05% | 3.61% | 6.48% | 2.29% |
| Q1 2026 | 6.16% | 2.79% | 3.69% | 6.27% | 2.33% |
| Q2 2026 | 6.53% | 2.78% | 4.06% | 6.65% | 1.92% |
South Story Bank & Trust 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 Story Bank & Trust, 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 Story Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17348) · FFIEC NIC profile (RSSD 542340)