BankFirst: 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.
Compared with Q1 2026, Net interest margin fell 0.15 percentage points in Q2 2026 to 4.05%, the biggest move on this page. BankFirst ranks 53rd of 138 Nebraska banks on net interest margin, in the upper half at 4.05% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. BankFirst sits 0.34 points higher, at 4.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.25% |
| Yield on loans | 6.76% |
| Yield on securities | 5.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.85% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.4M |
| Total interest expense | $6.5M |
| Interest expense on deposits | $4.2M |
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 | 6.68% | 3.18% | 3.90% | 6.49% | 7.11% |
| Q4 2023 | 7.01% | 3.27% | 4.12% | 6.74% | 7.64% |
| Q1 2024 | 6.76% | 3.16% | 3.96% | 6.56% | 7.28% |
| Q2 2024 | 7.04% | 3.23% | 4.16% | 6.92% | 7.45% |
| Q3 2024 | 7.22% | 3.41% | 4.14% | 7.24% | 7.37% |
| Q4 2024 | 7.00% | 3.35% | 4.11% | 7.06% | 7.08% |
| Q1 2025 | 6.46% | 2.93% | 3.94% | 6.57% | 6.40% |
| Q2 2025 | 6.45% | 2.86% | 4.00% | 6.69% | 6.17% |
| Q3 2025 | 6.67% | 2.93% | 4.09% | 7.04% | 6.14% |
| Q4 2025 | 6.80% | 2.84% | 4.34% | 7.24% | 6.14% |
| Q1 2026 | 6.41% | 2.59% | 4.20% | 6.84% | 5.76% |
| Q2 2026 | 6.25% | 2.60% | 4.05% | 6.76% | 5.49% |
BankFirst yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock BankFirst, 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 BankFirst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20130) · FFIEC NIC profile (RSSD 117458)