State Bank of Schaller: 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 Yield on securities, which fell 0.60 percentage points to 2.96%. State Bank of Schaller ranks 193rd of 225 Iowa banks on net interest margin, in the lower half at 3.00% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. State Bank of Schaller sits 0.89 points lower, at 3.00% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 7.57% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.00% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $192K |
| Total interest expense | $171K |
| Interest expense on deposits | $171K |
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 | 3.60% | 1.48% | 2.12% | 5.99% | 2.79% |
| Q4 2023 | 4.38% | 1.42% | 2.80% | 6.58% | 3.50% |
| Q1 2024 | 4.28% | 1.45% | 2.76% | 6.76% | 3.15% |
| Q2 2024 | 4.88% | 1.88% | 3.16% | 6.97% | 3.27% |
| Q3 2024 | 4.48% | 2.09% | 2.71% | 6.81% | 3.25% |
| Q4 2024 | 5.31% | 1.00% | 4.29% | 7.20% | 3.54% |
| Q1 2025 | 4.60% | 1.93% | 2.92% | 7.73% | 3.38% |
| Q2 2025 | 4.89% | 2.10% | 2.92% | 6.94% | 3.55% |
| Q3 2025 | 4.96% | 1.98% | 3.15% | 7.84% | 3.45% |
| Q4 2025 | 4.70% | 1.84% | 3.08% | 7.66% | 3.54% |
| Q1 2026 | 5.30% | 1.99% | 3.22% | 7.30% | 3.56% |
| Q2 2026 | 5.00% | 1.93% | 3.00% | 7.57% | 2.96% |
State Bank of Schaller yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Schaller, 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 State Bank of Schaller profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13931) · FFIEC NIC profile (RSSD 534242)