United Bank and Trust Company: 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, Net interest margin rose 0.20 percentage points in Q2 2026 to 3.53%, the biggest move on this page. United Bank and Trust Company ranks 134th of 225 Iowa banks on net interest margin, in the lower half at 3.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Bank and Trust Company sits 0.42 points lower, at 3.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.01% |
| Yield on loans | 6.78% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 2.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $844K |
| Interest expense on deposits | $844K |
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 | 4.01% | 1.30% | 2.85% | 5.56% | 1.98% |
| Q4 2023 | 4.18% | 1.48% | 2.87% | 5.72% | 1.99% |
| Q1 2024 | 4.24% | 1.63% | 2.78% | 5.92% | 2.02% |
| Q2 2024 | 4.48% | 1.81% | 2.87% | 6.22% | 2.03% |
| Q3 2024 | 4.59% | 1.97% | 2.85% | 6.39% | 2.04% |
| Q4 2024 | 4.66% | 2.01% | 2.89% | 6.47% | 2.07% |
| Q1 2025 | 4.53% | 1.88% | 2.87% | 6.33% | 2.10% |
| Q2 2025 | 4.73% | 1.85% | 3.09% | 6.49% | 2.17% |
| Q3 2025 | 4.83% | 1.86% | 3.19% | 6.77% | 2.24% |
| Q4 2025 | 4.94% | 1.88% | 3.29% | 6.83% | 2.38% |
| Q1 2026 | 4.86% | 1.74% | 3.33% | 6.73% | 2.51% |
| Q2 2026 | 5.01% | 1.69% | 3.53% | 6.78% | 2.56% |
United Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank and Trust Company, 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 United Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14247) · FFIEC NIC profile (RSSD 116741)