White State 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: Yield on loans edged up 0.23 percentage points between Q1 2026 and Q2 2026, to 6.40%. Within Iowa, White State Bank is 145th of 225 on net interest margin, 3.43% as of Q3 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. White State Bank sits 0.51 points lower, at 3.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | 6.40% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 1.77% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $594K |
| Total interest expense | $310K |
| Interest expense on deposits | $310K |
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 | 4.02% | 0.90% | 3.19% | 5.71% | 2.82% |
| Q4 2023 | 4.19% | 0.94% | 3.33% | 5.94% | 2.84% |
| Q1 2024 | 4.31% | 1.32% | 3.08% | 6.12% | 2.98% |
| Q2 2024 | 4.36% | 1.58% | 2.92% | 6.29% | 3.15% |
| Q3 2024 | 4.65% | 1.65% | 3.15% | 6.52% | 3.56% |
| Q4 2024 | 4.53% | 1.63% | 3.04% | 6.53% | 3.31% |
| Q1 2025 | 4.54% | 1.59% | 3.12% | 6.45% | 3.47% |
| Q2 2025 | 4.69% | 1.46% | 3.38% | 6.51% | 3.56% |
| Q3 2025 | 4.70% | 1.50% | 3.37% | 6.61% | 3.51% |
| Q4 2025 | 4.66% | 1.34% | 3.47% | 6.62% | 3.45% |
| Q1 2026 | 4.48% | 1.31% | 3.33% | 6.17% | 3.59% |
| Q2 2026 | 4.58% | 1.31% | 3.43% | 6.40% | 3.64% |
White State 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 White State 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 White State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8519) · FFIEC NIC profile (RSSD 359744)