United Bank of Iowa: 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.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 2.96% against 2.82%. It was the largest change among the key lines on this page. Within Iowa, United Bank of Iowa is 199th of 225 on net interest margin, 2.96% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. United Bank of Iowa sits 0.75 points lower, at 2.96% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 5.93% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.96% |
| Yield to cost spread | 2.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.7M |
| Total interest expense | $13.0M |
| Interest expense on deposits | $9.9M |
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 | 4.45% | 2.10% | 2.20% | 5.26% | 2.59% |
| Q4 2023 | 4.70% | 2.31% | 2.23% | 5.51% | 2.71% |
| Q1 2024 | 4.76% | 2.44% | 2.18% | 5.58% | 2.74% |
| Q2 2024 | 4.86% | 2.55% | 2.17% | 5.66% | 2.76% |
| Q3 2024 | 4.94% | 2.64% | 2.17% | 5.80% | 2.80% |
| Q4 2024 | 4.84% | 2.41% | 2.28% | 5.68% | 2.81% |
| Q1 2025 | 4.75% | 2.21% | 2.41% | 5.63% | 2.88% |
| Q2 2025 | 4.84% | 2.19% | 2.56% | 5.82% | 2.94% |
| Q3 2025 | 5.05% | 2.30% | 2.64% | 5.92% | 3.06% |
| Q4 2025 | 5.00% | 2.17% | 2.72% | 5.85% | 3.04% |
| Q1 2026 | 4.91% | 1.98% | 2.82% | 5.78% | 3.04% |
| Q2 2026 | 5.08% | 2.01% | 2.96% | 5.93% | 3.11% |
United Bank of Iowa 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 of Iowa, 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 of Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 958) · FFIEC NIC profile (RSSD 738040)