Adams County 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 standout move of Q2 2026 was in Total interest expense: 17.6% higher than in Q1 2026, at $1.2M. Adams County Bank ranks 123rd of 138 Nebraska banks on net interest margin, in the lower half at 3.13% (Q2 2026). Adams County Bank reported 3.13% on net interest margin for Q2 2026, 0.82 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 5.87% |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | 3.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.13% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $710K |
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 | 4.83% | 2.24% | 2.74% | 5.83% | 2.97% |
| Q4 2023 | 5.02% | 2.47% | 2.71% | 6.00% | 3.09% |
| Q1 2024 | 5.05% | 2.59% | 2.64% | 6.02% | 3.13% |
| Q2 2024 | 5.21% | 2.58% | 2.82% | 6.19% | 3.12% |
| Q3 2024 | 5.37% | 2.74% | 2.84% | 6.34% | 3.16% |
| Q4 2024 | 5.29% | 2.72% | 2.76% | 6.18% | 3.19% |
| Q1 2025 | 5.04% | 2.40% | 2.83% | 5.92% | 3.24% |
| Q2 2025 | 5.10% | 2.35% | 2.94% | 6.01% | 3.30% |
| Q3 2025 | 5.29% | 2.40% | 3.09% | 6.14% | 3.42% |
| Q4 2025 | 5.31% | 2.67% | 2.85% | 6.04% | 3.54% |
| Q1 2026 | 5.09% | 1.88% | 3.34% | 5.78% | 3.59% |
| Q2 2026 | 5.15% | 2.20% | 3.13% | 5.87% | 3.63% |
Adams County 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 Adams County 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 Adams County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14311) · FFIEC NIC profile (RSSD 9553)