The 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 2.73% to 2.84%, the largest move among the key lines here. On net interest margin, The State Bank is 19th from the bottom among 225 Iowa banks, 2.84% (Q2 2026). The State Bank reported 2.84% on net interest margin for Q2 2026, 1.04 points below the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.34% |
| Yield on loans | 6.02% |
| Yield on securities | 2.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.84% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $641K |
| Total interest expense | $330K |
| Interest expense on deposits | $330K |
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 | 3.93% | 1.50% | 2.56% | 5.53% | 2.10% |
| Q4 2023 | 3.97% | 1.76% | 2.38% | 5.54% | 2.11% |
| Q1 2024 | 4.02% | 1.92% | 2.32% | 5.57% | 2.13% |
| Q2 2024 | 4.85% | 2.17% | 2.90% | 7.07% | 2.15% |
| Q3 2024 | 4.63% | 2.26% | 2.60% | 6.50% | 2.17% |
| Q4 2024 | 4.25% | 2.14% | 2.29% | 5.83% | 2.18% |
| Q1 2025 | 4.16% | 2.00% | 2.32% | 5.68% | 2.18% |
| Q2 2025 | 4.35% | 1.96% | 2.58% | 5.92% | 2.36% |
| Q3 2025 | 4.42% | 1.92% | 2.66% | 6.02% | 2.41% |
| Q4 2025 | 4.37% | 1.81% | 2.71% | 6.04% | 2.45% |
| Q1 2026 | 4.26% | 1.67% | 2.73% | 5.92% | 2.52% |
| Q2 2026 | 4.34% | 1.63% | 2.84% | 6.02% | 2.53% |
The 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 The 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 The State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13715) · FFIEC NIC profile (RSSD 550448)