The State Bank of Toledo: 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 standout move of Q2 2026 was in Cost of borrowings: 5.33 percentage points lower than in Q1 2026, at 0.00%. On net interest margin, The State Bank of Toledo ranks 9th highest among the 225 banks headquartered in Iowa, at 4.58% (Q2 2026). The State Bank of Toledo reported 4.58% on net interest margin for Q2 2026, 0.63 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 6.38% |
| Yield on securities | 4.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.58% |
| Yield to cost spread | 4.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $493K |
| Interest expense on deposits | $493K |
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 | 4.76% | 1.04% | 3.80% | 5.02% | 1.71% |
| Q4 2023 | 5.26% | 1.17% | 4.17% | 5.40% | 2.96% |
| Q1 2024 | 5.09% | 1.45% | 3.67% | 5.14% | 3.80% |
| Q2 2024 | 6.39% | 1.83% | 4.62% | 6.69% | 2.33% |
| Q3 2024 | 5.80% | 2.11% | 3.88% | 5.88% | 5.02% |
| Q4 2024 | 5.74% | 2.16% | 3.84% | 5.97% | 3.72% |
| Q1 2025 | 5.72% | 2.18% | 3.96% | 5.94% | 3.19% |
| Q2 2025 | 5.84% | 2.25% | 4.04% | 5.97% | 4.48% |
| Q3 2025 | 6.58% | 2.21% | 4.70% | 6.78% | 5.21% |
| Q4 2025 | 7.96% | 1.99% | 6.25% | 8.62% | 3.86% |
| Q1 2026 | 5.99% | 1.86% | 4.40% | 6.23% | 4.29% |
| Q2 2026 | 6.12% | 1.84% | 4.58% | 6.38% | 4.13% |
The State Bank of Toledo yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Toledo, 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 The State Bank of Toledo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4514) · FFIEC NIC profile (RSSD 490348)