State Central 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.
Cost of borrowings climbed 56.41 percentage points in Q2 2026, from 4.77% to 61.18%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, State Central Bank sits 3rd from the top on net interest margin, 5.06% as of Q2 2026. State Central Bank reported 5.06% on net interest margin for Q2 2026, 1.18 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.79% |
| Yield on loans | 8.26% |
| Yield on securities | 4.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 61.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.06% |
| Yield to cost spread | 4.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $759K |
| Total interest expense | $250K |
| Interest expense on deposits | $224K |
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 | 4.75% | 1.24% | 3.37% | 5.63% | 3.75% |
| Q4 2023 | 6.55% | 1.30% | 5.09% | 11.26% | 3.65% |
| Q1 2024 | 5.38% | 1.65% | 3.83% | 7.82% | 3.72% |
| Q2 2024 | 5.80% | 1.80% | 4.09% | 7.77% | 4.19% |
| Q3 2024 | 5.91% | 1.73% | 4.30% | 8.16% | 3.99% |
| Q4 2024 | 17.87% | 1.77% | 16.26% | 34.75% | 4.03% |
| Q1 2025 | 6.44% | 1.69% | 4.94% | 9.90% | 4.05% |
| Q2 2025 | 7.51% | 2.16% | 5.53% | 11.06% | 4.08% |
| Q3 2025 | 13.79% | 2.30% | 11.68% | 22.12% | 4.07% |
| Q4 2025 | 6.97% | 2.25% | 4.95% | 9.38% | 4.13% |
| Q1 2026 | 6.70% | 1.98% | 4.93% | 8.38% | 4.21% |
| Q2 2026 | 6.79% | 2.01% | 5.06% | 8.26% | 4.35% |
State Central 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 State Central 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 State Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5820) · FFIEC NIC profile (RSSD 808345)