The Watkins Savings 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 1.98%. On net interest margin, The Watkins Savings Bank is 5th from the bottom among 225 Iowa banks, 1.98% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Watkins Savings Bank sits 1.91 points lower, at 1.98% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.55% |
| Yield on loans | 5.78% |
| Yield on securities | 1.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.98% |
| Yield to cost spread | 1.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $471K |
| Total interest expense | $347K |
| Interest expense on deposits | $347K |
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 | 2.98% | 1.35% | 1.79% | 4.86% | 1.57% |
| Q4 2023 | 3.02% | 1.57% | 1.70% | 5.06% | 1.58% |
| Q1 2024 | 3.28% | 1.62% | 1.90% | 5.39% | 1.92% |
| Q2 2024 | 3.31% | 1.80% | 1.78% | 5.46% | 1.92% |
| Q3 2024 | 3.43% | 1.99% | 1.73% | 5.65% | 1.88% |
| Q4 2024 | 3.44% | 2.09% | 1.67% | 5.63% | 1.99% |
| Q1 2025 | 3.46% | 2.00% | 1.77% | 5.61% | 1.93% |
| Q2 2025 | 3.42% | 2.00% | 1.71% | 5.69% | 1.58% |
| Q3 2025 | 3.51% | 2.03% | 1.79% | 5.78% | 1.54% |
| Q4 2025 | 3.48% | 2.04% | 1.76% | 5.81% | 1.54% |
| Q1 2026 | 3.49% | 1.91% | 1.87% | 5.67% | 1.62% |
| Q2 2026 | 3.55% | 1.84% | 1.98% | 5.78% | 1.65% |
The Watkins Savings 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 The Watkins Savings 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 The Watkins Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18071) · FFIEC NIC profile (RSSD 437044)