Visionbank 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 3.68% to 3.76%, the largest move among the key lines here. Visionbank of Iowa ranks 92nd of 225 Iowa banks on net interest margin, in the upper half at 3.76% (Q2 2026). Visionbank of Iowa reported 3.76% on net interest margin for Q2 2026, 0.19 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | 5.98% |
| Yield on securities | 3.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 3.26% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.4M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $3.9M |
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 | 5.06% | 1.76% | 3.39% | 5.32% | 2.76% |
| Q4 2023 | 5.21% | 1.96% | 3.35% | 5.47% | 2.86% |
| Q1 2024 | 5.28% | 2.15% | 3.25% | 5.52% | 2.98% |
| Q2 2024 | 5.46% | 2.31% | 3.28% | 5.70% | 3.10% |
| Q3 2024 | 5.60% | 2.50% | 3.25% | 5.85% | 3.09% |
| Q4 2024 | 5.63% | 2.54% | 3.25% | 5.91% | 3.32% |
| Q1 2025 | 5.59% | 2.40% | 3.33% | 5.82% | 3.53% |
| Q2 2025 | 5.72% | 2.34% | 3.54% | 5.96% | 3.62% |
| Q3 2025 | 5.86% | 2.40% | 3.63% | 6.09% | 3.71% |
| Q4 2025 | 5.70% | 2.35% | 3.50% | 5.94% | 3.68% |
| Q1 2026 | 5.63% | 2.09% | 3.68% | 5.86% | 3.62% |
| Q2 2026 | 5.72% | 2.11% | 3.76% | 5.98% | 3.74% |
Visionbank 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 Visionbank 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 Visionbank of Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11763) · FFIEC NIC profile (RSSD 269049)