Adams 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.38 percentage points to 2.91%. Within Nebraska, Adams State Bank is 68th of 138 on net interest margin, 3.83% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Adams State Bank reported 3.83% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.54% |
| Yield on securities | 2.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $800K |
| Total interest expense | $282K |
| Interest expense on deposits | $239K |
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 | 4.08% | 1.97% | 2.56% | 5.60% | 1.49% |
| Q4 2023 | 4.21% | 2.43% | 2.40% | 5.80% | 1.33% |
| Q1 2024 | 4.50% | 2.70% | 2.41% | 6.11% | 1.50% |
| Q2 2024 | 4.50% | 2.66% | 2.43% | 6.12% | 1.54% |
| Q3 2024 | 4.89% | 2.73% | 2.75% | 6.54% | 1.73% |
| Q4 2024 | 4.99% | 2.74% | 2.87% | 6.54% | 1.79% |
| Q1 2025 | 5.14% | 2.52% | 3.16% | 6.59% | 2.00% |
| Q2 2025 | 5.42% | 2.48% | 3.47% | 6.70% | 2.72% |
| Q3 2025 | 5.55% | 2.51% | 3.62% | 6.87% | 2.33% |
| Q4 2025 | 5.74% | 2.55% | 3.83% | 6.83% | 3.24% |
| Q1 2026 | 5.59% | 2.30% | 3.76% | 6.80% | 2.53% |
| Q2 2026 | 5.55% | 2.06% | 3.83% | 6.54% | 2.91% |
Adams 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 Adams 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 Adams State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9812) · FFIEC NIC profile (RSSD 332756)