Twin Cedars 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.30 percentage points to 3.63%. Twin Cedars Bank ranks 121st of 225 Iowa banks on net interest margin, in the lower half at 3.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Twin Cedars Bank sits 0.32 points lower, at 3.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 6.95% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.89% |
| Cost of interest-bearing deposits | 3.54% |
| Cost of interest-bearing liabilities | 3.54% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $804K |
| Interest expense on deposits | $804K |
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 | 7.01% | 1.93% | 5.26% | 7.28% | 3.27% |
| Q4 2023 | 7.40% | 2.42% | 5.20% | 7.59% | 3.26% |
| Q1 2024 | 7.48% | 2.83% | 4.93% | 7.70% | 3.23% |
| Q2 2024 | 7.68% | 3.06% | 4.88% | 7.90% | 3.21% |
| Q3 2024 | 7.35% | 3.36% | 4.46% | 7.71% | 3.19% |
| Q4 2024 | 7.10% | 3.40% | 4.08% | 7.58% | 3.17% |
| Q1 2025 | 7.17% | 3.13% | 4.39% | 7.67% | 3.15% |
| Q2 2025 | 7.42% | 3.02% | 4.65% | 7.89% | 3.19% |
| Q3 2025 | 7.27% | 3.18% | 4.39% | 7.68% | 0.00% |
| Q4 2025 | 7.05% | 2.97% | 4.30% | 7.48% | 0.00% |
| Q1 2026 | 6.45% | 2.80% | 3.93% | 7.07% | 0.00% |
| Q2 2026 | 6.29% | 2.89% | 3.63% | 6.95% | 0.00% |
Twin Cedars 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 Twin Cedars 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 Twin Cedars Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1556) · FFIEC NIC profile (RSSD 750444)