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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 4.04% to 4.13%, the largest move among the key lines here. Union State Bank ranks 36th of 225 Iowa banks on net interest margin, in the upper half at 4.13% (Q2 2026). Union State Bank reported 4.13% on net interest margin for Q2 2026, 0.18 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | 3.53% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $674K |
| Interest expense on deposits | $656K |
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 |
|---|---|---|---|
| Q3 2023 | 5.11% | 1.91% | 3.40% |
| Q4 2023 | 5.24% | 2.26% | 3.24% |
| Q1 2024 | 5.18% | 2.16% | 3.20% |
| Q2 2024 | 5.79% | 2.23% | 3.65% |
| Q3 2024 | 5.85% | 2.14% | 3.83% |
| Q4 2024 | 6.17% | 1.64% | 4.68% |
| Q1 2025 | 5.98% | 1.93% | 4.09% |
| Q2 2025 | 6.15% | 2.00% | 4.15% |
| Q3 2025 | 5.95% | 2.09% | 3.96% |
| Q4 2025 | 6.36% | 2.18% | 4.25% |
| Q1 2026 | 5.89% | 1.90% | 4.04% |
| Q2 2026 | 5.95% | 1.87% | 4.13% |
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 8499) · FFIEC NIC profile (RSSD 746942)