Union State 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.
Yield on securities rose 0.39 percentage points from Q1 2026 to Q2 2026, ending at 2.47% against 2.08%. It was the largest change among the key lines on this page. Union State Bank ranks 75th of 225 Iowa banks on net interest margin, in the upper half at 3.85% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Union State Bank reported 3.85% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 6.53% |
| Yield on securities | 2.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $478K |
| Interest expense on deposits | $478K |
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 | 4.02% | 1.59% | 2.49% | 5.35% | 1.51% |
| Q4 2023 | 4.31% | 1.69% | 2.65% | 5.56% | 1.52% |
| Q1 2024 | 4.36% | 1.82% | 2.57% | 5.57% | 1.55% |
| Q2 2024 | 4.68% | 1.89% | 2.81% | 5.69% | 1.53% |
| Q3 2024 | 4.88% | 1.94% | 2.99% | 5.87% | 1.48% |
| Q4 2024 | 4.89% | 1.87% | 3.08% | 5.91% | 1.34% |
| Q1 2025 | 4.80% | 1.59% | 3.24% | 5.83% | 1.44% |
| Q2 2025 | 5.07% | 1.63% | 3.51% | 6.21% | 1.58% |
| Q3 2025 | 5.35% | 1.57% | 3.83% | 6.31% | 1.71% |
| Q4 2025 | 5.21% | 1.58% | 3.68% | 6.27% | 1.77% |
| Q1 2026 | 5.11% | 1.41% | 3.75% | 6.20% | 2.08% |
| Q2 2026 | 5.27% | 1.48% | 3.85% | 6.53% | 2.47% |
Union State 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 Union State 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 Union State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14982) · FFIEC NIC profile (RSSD 148340)