Banner Capital 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 0.19 percentage points from Q1 2026 to Q2 2026, ending at 4.62% against 4.43%. It was the largest change among the key lines on this page. Among 138 Nebraska banks, Banner Capital Bank sits 13th from the top on net interest margin, 4.62% as of Q2 2026. Banner Capital Bank reported 4.62% on net interest margin for Q2 2026, 0.67 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.82% |
| Yield on loans | 7.31% |
| Yield on securities | 3.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.44% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.62% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 6.40% | 2.12% | 4.39% | 6.72% | 3.68% |
| Q4 2023 | 6.80% | 2.20% | 4.73% | 7.26% | 3.23% |
| Q1 2024 | 6.71% | 2.28% | 4.57% | 7.11% | 3.19% |
| Q2 2024 | 6.87% | 2.41% | 4.63% | 7.25% | 3.30% |
| Q3 2024 | 7.09% | 2.73% | 4.52% | 7.47% | 3.34% |
| Q4 2024 | 6.63% | 2.67% | 4.14% | 7.14% | 3.29% |
| Q1 2025 | 6.69% | 2.52% | 4.34% | 7.30% | 3.32% |
| Q2 2025 | 6.75% | 2.48% | 4.45% | 7.37% | 3.43% |
| Q3 2025 | 6.90% | 2.50% | 4.56% | 7.49% | 3.49% |
| Q4 2025 | 7.38% | 2.44% | 5.13% | 8.18% | 3.58% |
| Q1 2026 | 6.61% | 2.41% | 4.43% | 7.22% | 3.53% |
| Q2 2026 | 6.82% | 2.44% | 4.62% | 7.31% | 3.83% |
Banner Capital 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 Banner Capital 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 Banner Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19274) · FFIEC NIC profile (RSSD 275255)