City Bank & Trust Co.: 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 0.99 percentage points in Q2 2026, from 4.98% to 3.99%. It was the largest change from Q1 2026 among the key lines here. City Bank & Trust Co. ranks 86th of 138 Nebraska banks on net interest margin, in the lower half at 3.64% (Q2 2026). City Bank & Trust Co. reported 3.64% on net interest margin for Q2 2026, 0.31 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.80% |
| Cost of interest-bearing liabilities | 2.86% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 |
|---|---|---|---|
| Q3 2023 | 5.04% | 1.52% | 3.71% |
| Q4 2023 | 5.24% | 1.58% | 3.76% |
| Q1 2024 | 5.33% | 1.96% | 3.28% |
| Q2 2024 | 5.42% | 2.79% | 2.88% |
| Q3 2024 | 5.35% | 2.90% | 2.81% |
| Q4 2024 | 5.61% | 2.86% | 3.09% |
| Q1 2025 | 5.44% | 2.53% | 2.95% |
| Q2 2025 | 5.68% | 2.42% | 3.32% |
| Q3 2025 | 5.91% | 2.16% | 3.78% |
| Q4 2025 | 5.79% | 2.49% | 3.64% |
| Q1 2026 | 5.62% | 2.36% | 3.55% |
| Q2 2026 | 5.57% | 2.22% | 3.64% |
City Bank & Trust Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock City Bank & Trust Co., 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 City Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5396) · FFIEC NIC profile (RSSD 79855)