Adams Bank & Trust: 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 standout move of Q2 2026 was in Cost of borrowings: 5.21 percentage points lower than in Q1 2026, at 0.00%. On net interest margin, Adams Bank & Trust ranks 9th highest among the 138 banks headquartered in Nebraska, at 4.79% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Adams Bank & Trust sits 1.08 points higher, at 4.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | 6.95% |
| Yield on securities | 5.81% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.79% |
| Yield to cost spread | 4.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.6M |
| Total interest expense | $5.2M |
| Interest expense on deposits | $5.2M |
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 | 6.77% | 2.38% | 4.34% | 6.37% | 7.95% |
| Q4 2023 | 6.82% | 2.54% | 4.26% | 6.38% | 7.97% |
| Q1 2024 | 6.85% | 2.63% | 4.21% | 6.53% | 7.92% |
| Q2 2024 | 6.84% | 2.66% | 4.21% | 6.61% | 7.51% |
| Q3 2024 | 6.74% | 2.63% | 4.17% | 6.70% | 7.37% |
| Q4 2024 | 6.66% | 2.29% | 4.41% | 6.91% | 6.77% |
| Q1 2025 | 6.44% | 2.05% | 4.43% | 6.69% | 6.66% |
| Q2 2025 | 6.73% | 1.97% | 4.81% | 7.00% | 6.65% |
| Q3 2025 | 6.77% | 1.93% | 4.89% | 7.10% | 6.74% |
| Q4 2025 | 6.56% | 1.80% | 4.81% | 7.02% | 6.28% |
| Q1 2026 | 6.34% | 1.71% | 4.69% | 6.83% | 6.64% |
| Q2 2026 | 6.43% | 1.71% | 4.79% | 6.95% | 5.81% |
Adams Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams Bank & Trust, 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 Adams Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18489) · FFIEC NIC profile (RSSD 463650)