State Savings 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.
The biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged up 0.24 percentage points between Q1 2026 and Q2 2026, to 0.24%. On net interest margin, State Savings Bank ranks 21st highest among the 225 banks headquartered in Iowa, at 4.24% (Q2 2026). State Savings Bank reported 4.24% on net interest margin for Q2 2026, 0.29 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | 6.49% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 0.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 6.70% | 2.02% | 4.80% | 6.78% | 3.91% |
| Q4 2023 | 6.64% | 2.32% | 4.50% | 6.75% | 0.77% |
| Q1 2024 | 6.58% | 2.43% | 4.30% | 6.64% | 0.00% |
| Q2 2024 | 6.64% | 2.62% | 4.21% | 6.65% | — |
| Q3 2024 | 6.66% | 2.76% | 4.13% | 6.72% | — |
| Q4 2024 | 6.57% | 2.72% | 4.01% | 6.65% | — |
| Q1 2025 | 6.24% | 2.69% | 3.71% | 6.45% | 4.30% |
| Q2 2025 | 6.42% | 2.69% | 3.98% | 6.52% | 4.46% |
| Q3 2025 | 6.51% | 2.56% | 4.20% | 6.61% | 3.73% |
| Q4 2025 | 6.41% | 2.29% | 4.30% | 6.50% | — |
| Q1 2026 | 6.21% | 2.17% | 4.19% | 6.44% | — |
| Q2 2026 | 6.30% | 2.23% | 4.24% | 6.49% | — |
State Savings 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 Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14773) · FFIEC NIC profile (RSSD 792640)