United Community 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 3.26% against 3.06%. It was the largest change among the key lines on this page. United Community Bank ranks 164th of 225 Iowa banks on net interest margin, in the lower half at 3.26% (Q2 2026). United Community Bank reported 3.26% on net interest margin for Q2 2026, 0.69 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | 5.86% |
| Yield on securities | 2.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
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 | 4.27% | 2.19% | 2.24% | 5.03% | 0.90% |
| Q4 2023 | 4.38% | 2.28% | 2.29% | 5.15% | 0.90% |
| Q1 2024 | 4.50% | 2.30% | 2.39% | 5.31% | 0.90% |
| Q2 2024 | 4.72% | 2.71% | 2.22% | 5.55% | 0.88% |
| Q3 2024 | 4.83% | 2.76% | 2.29% | 5.65% | 0.96% |
| Q4 2024 | 4.81% | 2.52% | 2.46% | 5.61% | 1.21% |
| Q1 2025 | 4.81% | 2.29% | 2.69% | 5.56% | 1.38% |
| Q2 2025 | 4.87% | 2.37% | 2.70% | 5.70% | 1.51% |
| Q3 2025 | 5.04% | 2.39% | 2.86% | 5.84% | 1.60% |
| Q4 2025 | 4.96% | 2.28% | 2.87% | 5.81% | 1.80% |
| Q1 2026 | 4.93% | 2.07% | 3.06% | 5.76% | 2.05% |
| Q2 2026 | 5.13% | 2.05% | 3.26% | 5.86% | 2.34% |
United Community 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 United Community 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 United Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13656) · FFIEC NIC profile (RSSD 884648)