TS 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 standout move of Q2 2026 was in Total interest expense: 11.1% higher than in Q1 2026, at $2.7M. On net interest margin, TS Bank is 12th from the bottom among 225 Iowa banks, 2.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. TS Bank sits 1.27 points lower, at 2.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | 6.25% |
| Yield on securities | 4.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.62% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | 2.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.67% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.6M |
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 | 4.93% | 2.09% | 2.56% | 5.76% | 3.82% |
| Q4 2023 | 5.12% | 2.34% | 2.54% | 5.93% | 4.21% |
| Q1 2024 | 5.27% | 2.38% | 2.61% | 5.91% | 4.66% |
| Q2 2024 | 5.39% | 2.48% | 2.68% | 6.26% | 4.51% |
| Q3 2024 | 5.49% | 2.54% | 2.69% | 6.37% | 4.58% |
| Q4 2024 | 5.36% | 2.50% | 2.65% | 6.30% | 4.49% |
| Q1 2025 | 5.28% | 2.47% | 2.61% | 6.12% | 4.46% |
| Q2 2025 | 5.38% | 2.49% | 2.67% | 6.31% | 4.42% |
| Q3 2025 | 5.45% | 2.52% | 2.70% | 6.39% | 4.39% |
| Q4 2025 | 5.39% | 2.53% | 2.68% | 6.32% | 4.36% |
| Q1 2026 | 5.08% | 2.33% | 2.71% | 6.13% | 3.83% |
| Q2 2026 | 5.40% | 2.62% | 2.67% | 6.25% | 4.15% |
TS 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 TS 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 TS Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14812) · FFIEC NIC profile (RSSD 552545)