Bank of Steinauer: 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.
Yield on securities dropped 1.39 percentage points in Q2 2026, from 4.63% to 3.24%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Bank of Steinauer is 29th of 138 on net interest margin, 4.39% as of Q2 2026, above the middle of the field. Bank of Steinauer reported 4.39% on net interest margin for Q2 2026, 0.50 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 6.90% |
| Yield on securities | 3.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $208K |
| Total interest expense | $65K |
| Interest expense on deposits | $65K |
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% | 1.21% | 3.48% | 5.99% | 1.79% |
| Q4 2023 | 4.71% | 1.25% | 3.54% | 6.13% | 2.04% |
| Q1 2024 | 4.82% | 1.46% | 3.46% | 6.34% | 1.86% |
| Q2 2024 | 5.25% | 1.63% | 3.73% | 6.56% | 2.36% |
| Q3 2024 | 5.49% | 1.72% | 3.80% | 6.72% | 2.43% |
| Q4 2024 | 5.75% | 1.69% | 4.17% | 6.88% | 3.10% |
| Q1 2025 | 5.19% | 1.39% | 3.94% | 6.62% | 3.39% |
| Q2 2025 | 5.55% | 1.22% | 4.39% | 6.82% | 3.34% |
| Q3 2025 | 5.67% | 1.29% | 4.43% | 7.08% | 3.31% |
| Q4 2025 | 5.70% | 1.44% | 4.50% | 7.05% | 3.91% |
| Q1 2026 | 5.15% | 1.30% | 4.06% | 6.88% | 4.63% |
| Q2 2026 | 5.50% | 1.30% | 4.39% | 6.90% | 3.24% |
Bank of Steinauer 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 Steinauer, 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 Steinauer profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10635) · FFIEC NIC profile (RSSD 384353)