Bank of Lindsay: 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: 620.88 percentage points higher than in Q1 2026, at 1292.31%. Bank of Lindsay ranks 119th of 138 Nebraska banks on net interest margin, in the lower half at 3.19% (Q2 2026). Bank of Lindsay reported 3.19% on net interest margin for Q2 2026, 0.70 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.09% |
| Yield on securities | 1.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.17% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.02% |
| Cost of borrowings | 1292.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 2.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $575K |
| Interest expense on deposits | $449K |
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 | 5.80% | 2.73% | 3.69% | 6.02% | 1.75% |
| Q4 2023 | 6.23% | 3.82% | 3.21% | 6.43% | 1.65% |
| Q1 2024 | 6.16% | 3.39% | 3.31% | 6.33% | 1.82% |
| Q2 2024 | 6.24% | 3.49% | 3.54% | 6.42% | 1.74% |
| Q3 2024 | 6.33% | 3.86% | 3.41% | 6.50% | 1.72% |
| Q4 2024 | 6.29% | 4.18% | 3.20% | 6.44% | 1.73% |
| Q1 2025 | 5.95% | 3.78% | 3.04% | 6.20% | 1.88% |
| Q2 2025 | 6.09% | 3.63% | 3.31% | 6.33% | 1.86% |
| Q3 2025 | 6.17% | 3.64% | 3.43% | 6.40% | 1.62% |
| Q4 2025 | 6.01% | 3.58% | 3.15% | 6.24% | 1.82% |
| Q1 2026 | 5.68% | 3.18% | 3.04% | 5.98% | 1.72% |
| Q2 2026 | 5.85% | 3.17% | 3.19% | 6.09% | 1.83% |
Bank of Lindsay 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 Lindsay, 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 Lindsay profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19087) · FFIEC NIC profile (RSSD 111157)