United Bank & Trust Co.: 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 rose 0.28 percentage points to 3.71%. United Bank & Trust Co. ranks 104th of 225 Iowa banks on net interest margin, in the upper half at 3.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Bank & Trust Co. sits 0.24 points lower, at 3.71% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.78% |
| Yield on loans | 5.76% |
| Yield on securities | 3.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.37% |
| Cost of interest-bearing liabilities | 1.38% |
| Cost of borrowings | 2.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $990K |
| Total interest expense | $316K |
| Interest expense on deposits | $309K |
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 | 3.66% | 1.15% | 2.60% | 4.55% | 2.11% |
| Q4 2023 | 3.72% | 1.23% | 2.60% | 4.65% | 2.14% |
| Q1 2024 | 4.03% | 1.30% | 2.82% | 5.15% | 2.12% |
| Q2 2024 | 4.06% | 1.43% | 2.74% | 5.13% | 2.10% |
| Q3 2024 | 4.26% | 1.57% | 2.82% | 5.34% | 2.12% |
| Q4 2024 | 4.33% | 1.51% | 2.92% | 5.41% | 2.17% |
| Q1 2025 | 4.27% | 1.41% | 2.95% | 5.31% | 2.16% |
| Q2 2025 | 4.47% | 1.43% | 3.17% | 5.45% | 2.46% |
| Q3 2025 | 4.54% | 1.41% | 3.25% | 5.51% | 2.70% |
| Q4 2025 | 4.55% | 1.29% | 3.35% | 5.49% | 2.99% |
| Q1 2026 | 4.49% | 1.15% | 3.43% | 5.40% | 3.07% |
| Q2 2026 | 4.78% | 1.18% | 3.71% | 5.76% | 3.24% |
United Bank & Trust Co. 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 & Trust Co., 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 & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57391) · FFIEC NIC profile (RSSD 3103591)