Cerescobank: 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.
Cost of borrowings dropped 385.19 percentage points in Q2 2026, from 400.00% to 14.81%. It was the largest change from Q1 2026 among the key lines here. Cerescobank ranks 113th of 138 Nebraska banks on net interest margin, in the lower half at 3.31% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Cerescobank sits 0.58 points lower, at 3.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 6.91% |
| Yield on securities | 2.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 14.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $744K |
| Total interest expense | $354K |
| Interest expense on deposits | $349K |
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 | 3.97% | 1.90% | 2.33% | 6.04% | 1.87% |
| Q4 2023 | 4.13% | 2.05% | 2.32% | 6.24% | 1.94% |
| Q1 2024 | 4.23% | 2.12% | 2.32% | 6.45% | 2.05% |
| Q2 2024 | 4.34% | 1.90% | 2.34% | 6.69% | 2.12% |
| Q3 2024 | 4.69% | 2.44% | 2.49% | 7.03% | 2.22% |
| Q4 2024 | 4.60% | 2.81% | 2.45% | 6.92% | 2.33% |
| Q1 2025 | 4.60% | 2.40% | 2.62% | 6.76% | 2.73% |
| Q2 2025 | 4.80% | 2.35% | 2.75% | 6.89% | 2.70% |
| Q3 2025 | 5.06% | 2.40% | 3.01% | 7.02% | 2.69% |
| Q4 2025 | 5.16% | 2.31% | 3.16% | 7.03% | 2.68% |
| Q1 2026 | 5.08% | 2.05% | 3.23% | 6.86% | 2.67% |
| Q2 2026 | 5.19% | 2.07% | 3.31% | 6.91% | 2.82% |
Cerescobank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cerescobank, 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 Cerescobank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1993) · FFIEC NIC profile (RSSD 75651)