The Security National Bank of Sioux City, Iowa: 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, Total interest expense rose 2.7% in Q2 2026 to $6.2M, the biggest move on this page. Within Iowa, The Security National Bank of Sioux City, Iowa is 136th of 225 on net interest margin, 3.52% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Security National Bank of Sioux City, Iowa sits 0.19 points lower, at 3.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.04% |
| Yield on loans | 5.72% |
| Yield on securities | 2.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 3.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.0M |
| Total interest expense | $6.2M |
| Interest expense on deposits | $5.0M |
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 | 4.29% | 1.39% | 3.03% | 5.00% | 2.75% |
| Q4 2023 | 6.71% | 2.09% | 4.84% | 8.31% | 3.13% |
| Q1 2024 | 4.61% | 1.65% | 3.10% | 5.31% | 2.68% |
| Q2 2024 | 4.70% | 1.80% | 3.08% | 5.43% | 2.60% |
| Q3 2024 | 4.81% | 1.92% | 3.07% | 5.55% | 2.63% |
| Q4 2024 | 4.75% | 1.98% | 2.94% | 5.48% | 2.63% |
| Q1 2025 | 4.71% | 1.82% | 3.06% | 5.41% | 2.64% |
| Q2 2025 | 4.86% | 1.81% | 3.22% | 5.59% | 2.66% |
| Q3 2025 | 4.99% | 1.83% | 3.34% | 5.71% | 2.79% |
| Q4 2025 | 4.95% | 1.78% | 3.31% | 5.67% | 2.81% |
| Q1 2026 | 4.90% | 1.65% | 3.39% | 5.56% | 2.90% |
| Q2 2026 | 5.04% | 1.69% | 3.52% | 5.72% | 2.97% |
The Security National Bank of Sioux City, Iowa 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 Security National Bank of Sioux City, Iowa, 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 Security National Bank of Sioux City, Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4506) · FFIEC NIC profile (RSSD 418249)