Templeton 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.
Compared with Q1 2026, Yield on securities fell 0.37 percentage points in Q2 2026 to 3.90%, the biggest move on this page. Templeton Savings Bank ranks 55th of 225 Iowa banks on net interest margin, in the upper half at 3.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Templeton Savings Bank reported 3.99% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 6.31% |
| Yield on securities | 3.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $600K |
| Interest expense on deposits | $600K |
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 | 3.98% | 1.08% | 3.04% | 5.58% | 1.39% |
| Q4 2023 | 4.12% | 1.47% | 2.84% | 5.75% | 1.32% |
| Q1 2024 | 4.21% | 1.52% | 2.90% | 5.77% | 1.44% |
| Q2 2024 | 4.48% | 1.81% | 2.98% | 5.90% | 1.40% |
| Q3 2024 | 4.85% | 1.80% | 3.28% | 6.04% | 1.39% |
| Q4 2024 | 4.96% | 1.79% | 3.41% | 6.08% | 1.84% |
| Q1 2025 | 4.81% | 1.62% | 3.42% | 5.88% | 2.38% |
| Q2 2025 | 5.09% | 1.65% | 3.67% | 6.03% | 2.88% |
| Q3 2025 | 5.32% | 1.78% | 3.81% | 6.30% | 2.94% |
| Q4 2025 | 5.53% | 1.75% | 4.07% | 6.35% | 3.90% |
| Q1 2026 | 5.50% | 1.67% | 4.06% | 6.22% | 4.27% |
| Q2 2026 | 5.43% | 1.67% | 3.99% | 6.31% | 3.90% |
Templeton 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 Templeton 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 Templeton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 969) · FFIEC NIC profile (RSSD 366247)