Bank of Elgin: 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 0.25 percentage points to 3.73%. Bank of Elgin ranks 21st of 138 Nebraska banks on net interest margin, in the upper half at 4.47% (Q2 2026). Bank of Elgin reported 4.47% on net interest margin for Q2 2026, 0.58 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | 6.52% |
| Yield on securities | 3.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 3.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $922K |
| Total interest expense | $259K |
| Interest expense on deposits | $258K |
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 | 4.64% | 0.93% | 3.82% | 5.84% | 1.48% |
| Q4 2023 | 4.91% | 1.05% | 3.97% | 6.13% | 2.50% |
| Q1 2024 | 4.99% | 1.26% | 3.87% | 6.27% | 2.91% |
| Q2 2024 | 5.21% | 1.39% | 4.01% | 6.38% | 2.92% |
| Q3 2024 | 5.45% | 1.95% | 3.85% | 6.57% | 2.92% |
| Q4 2024 | 5.51% | 1.50% | 4.24% | 6.59% | 2.92% |
| Q1 2025 | 5.46% | 1.49% | 4.21% | 6.47% | 2.98% |
| Q2 2025 | 5.64% | 1.51% | 4.33% | 6.58% | 3.02% |
| Q3 2025 | 5.85% | 1.59% | 4.47% | 6.73% | 3.22% |
| Q4 2025 | 5.81% | 1.50% | 4.47% | 6.68% | 3.27% |
| Q1 2026 | 5.62% | 1.41% | 4.37% | 6.45% | 3.48% |
| Q2 2026 | 5.72% | 1.41% | 4.47% | 6.52% | 3.73% |
Bank of Elgin yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Elgin, 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 Bank of Elgin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16154) · FFIEC NIC profile (RSSD 485054)