Battle Creek State 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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 3.86%, the biggest move on this page. Within Nebraska, Battle Creek State Bank is 65th of 138 on net interest margin, 3.86% as of Q2 2026, above the middle of the field. At 3.86%, Battle Creek State Bank's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | 6.43% |
| Yield on securities | 4.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.40% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $845K |
| Total interest expense | $347K |
| Interest expense on deposits | $347K |
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 | 5.11% | 1.50% | 3.79% | 5.24% | 4.57% |
| Q4 2023 | 5.30% | 2.03% | 3.52% | 5.48% | 4.63% |
| Q1 2024 | 5.33% | 2.29% | 3.31% | 5.59% | 4.51% |
| Q2 2024 | 5.49% | 2.35% | 3.39% | 5.78% | 4.47% |
| Q3 2024 | 5.64% | 2.41% | 3.47% | 6.00% | 4.50% |
| Q4 2024 | 5.70% | 2.27% | 3.67% | 6.09% | 4.49% |
| Q1 2025 | 5.60% | 2.14% | 3.65% | 6.11% | 4.53% |
| Q2 2025 | 5.55% | 2.17% | 3.55% | 6.10% | 4.60% |
| Q3 2025 | 6.03% | 2.13% | 4.14% | 6.38% | 5.64% |
| Q4 2025 | 5.89% | 2.25% | 4.02% | 6.48% | 4.50% |
| Q1 2026 | 5.69% | 2.30% | 3.71% | 6.35% | 4.48% |
| Q2 2026 | 5.96% | 2.40% | 3.86% | 6.43% | 4.34% |
Battle Creek State 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 Battle Creek State 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 Battle Creek State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16330) · FFIEC NIC profile (RSSD 986757)