State Bank & Trust Co.: 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.
Net interest margin rose 0.22 percentage points from Q1 2026 to Q2 2026, ending at 3.26% against 3.04%. It was the largest change among the key lines on this page. State Bank & Trust Co. ranks 164th of 225 Iowa banks on net interest margin, in the lower half at 3.26% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. State Bank & Trust Co. sits 0.69 points lower, at 3.26% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.38% |
| Yield on loans | 5.78% |
| Yield on securities | 2.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | 3.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $544K |
| Interest expense on deposits | $516K |
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 | 3.62% | 1.63% | 2.11% | 5.29% | 1.75% |
| Q4 2023 | 3.70% | 1.68% | 2.15% | 5.39% | 1.75% |
| Q1 2024 | 3.80% | 1.81% | 2.12% | 5.53% | 1.73% |
| Q2 2024 | 3.87% | 1.85% | 2.18% | 5.63% | 1.68% |
| Q3 2024 | 3.97% | 1.97% | 2.17% | 5.75% | 1.71% |
| Q4 2024 | 3.98% | 1.82% | 2.31% | 5.68% | 1.72% |
| Q1 2025 | 4.01% | 1.60% | 2.55% | 5.60% | 1.76% |
| Q2 2025 | 4.16% | 1.56% | 2.75% | 5.75% | 1.72% |
| Q3 2025 | 4.30% | 1.56% | 2.89% | 5.92% | 1.74% |
| Q4 2025 | 4.30% | 1.37% | 3.02% | 5.87% | 1.98% |
| Q1 2026 | 4.17% | 1.23% | 3.04% | 5.61% | 2.19% |
| Q2 2026 | 4.38% | 1.25% | 3.26% | 5.78% | 2.44% |
State Bank & Trust Co. 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 & Trust Co., 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 & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15651) · FFIEC NIC profile (RSSD 229342)