Arbor 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.19% against 3.99%. It was the largest change among the key lines on this page. Arbor Bank ranks 41st of 138 Nebraska banks on net interest margin, in the upper half at 4.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Arbor Bank sits 0.25 points higher, at 4.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.01% |
| Yield on loans | 6.36% |
| Yield on securities | 3.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.3M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $3.0M |
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 | 5.30% | 1.84% | 3.60% | 5.76% | 2.39% |
| Q4 2023 | 5.14% | 2.35% | 2.97% | 5.53% | 2.54% |
| Q1 2024 | 5.68% | 2.38% | 3.46% | 6.10% | 2.68% |
| Q2 2024 | 5.81% | 2.39% | 3.57% | 6.22% | 3.05% |
| Q3 2024 | 6.09% | 2.43% | 3.79% | 6.48% | 3.19% |
| Q4 2024 | 5.27% | 2.26% | 3.16% | 5.53% | 3.28% |
| Q1 2025 | 5.97% | 2.08% | 4.01% | 6.36% | 3.40% |
| Q2 2025 | 5.91% | 2.08% | 3.97% | 6.24% | 3.52% |
| Q3 2025 | 6.21% | 2.15% | 4.16% | 6.50% | 4.15% |
| Q4 2025 | 5.30% | 2.09% | 3.33% | 5.55% | 3.00% |
| Q1 2026 | 5.82% | 2.02% | 3.99% | 6.25% | 3.65% |
| Q2 2026 | 6.01% | 1.94% | 4.19% | 6.36% | 3.75% |
Arbor 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 Arbor 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 Arbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33450) · FFIEC NIC profile (RSSD 1872941)