Cattle Bank & Trust: 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.26 percentage points to 2.85%. Cattle Bank & Trust ranks 58th of 138 Nebraska banks on net interest margin, in the upper half at 4.03% (Q2 2026). At 4.03%, Cattle Bank & Trust's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.48% |
| Yield on securities | 3.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 2.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
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 | 5.03% | 1.84% | 3.32% | 5.74% | 2.95% |
| Q4 2023 | 5.17% | 2.02% | 3.28% | 5.88% | 3.05% |
| Q1 2024 | 5.23% | 2.12% | 3.24% | 5.91% | 3.16% |
| Q2 2024 | 5.40% | 2.29% | 3.28% | 6.11% | 3.20% |
| Q3 2024 | 5.64% | 2.54% | 3.29% | 6.35% | 3.30% |
| Q4 2024 | 5.65% | 2.55% | 3.31% | 6.32% | 3.31% |
| Q1 2025 | 5.62% | 2.38% | 3.42% | 6.24% | 3.37% |
| Q2 2025 | 5.76% | 2.33% | 3.61% | 6.38% | 3.45% |
| Q3 2025 | 5.91% | 2.29% | 3.80% | 6.54% | 3.53% |
| Q4 2025 | 5.94% | 2.30% | 3.83% | 6.53% | 3.59% |
| Q1 2026 | 5.82% | 2.10% | 3.91% | 6.39% | 3.66% |
| Q2 2026 | 5.90% | 2.07% | 4.03% | 6.48% | 3.75% |
Cattle Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cattle Bank & Trust, 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 Cattle Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5472) · FFIEC NIC profile (RSSD 529659)