Commercial 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.
The standout move of Q2 2026 was in Cost of borrowings: 8.23 percentage points higher than in Q1 2026, at 14.29%. Commercial Bank ranks 19th of 138 Nebraska banks on net interest margin, in the upper half at 4.49% (Q2 2026). Commercial Bank reported 4.49% on net interest margin for Q2 2026, 0.60 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 7.51% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | 14.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $694K |
| Total interest expense | $221K |
| Interest expense on deposits | $220K |
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 | 5.73% | 1.65% | 4.26% | 7.09% | 3.59% |
| Q4 2023 | 5.74% | 1.66% | 4.23% | 7.08% | 3.63% |
| Q1 2024 | 5.69% | 1.62% | 4.28% | 7.09% | 3.51% |
| Q2 2024 | 5.87% | 2.16% | 3.97% | 7.41% | 3.45% |
| Q3 2024 | 5.89% | 2.51% | 3.75% | 7.27% | 3.52% |
| Q4 2024 | 5.92% | 2.30% | 3.93% | 7.28% | 3.39% |
| Q1 2025 | 5.58% | 2.04% | 3.83% | 7.14% | 3.16% |
| Q2 2025 | 5.79% | 2.17% | 3.90% | 7.25% | 3.27% |
| Q3 2025 | 6.26% | 2.27% | 4.32% | 7.66% | 3.35% |
| Q4 2025 | 6.15% | 2.13% | 4.32% | 7.56% | 3.17% |
| Q1 2026 | 5.98% | 1.91% | 4.33% | 7.67% | 3.08% |
| Q2 2026 | 6.02% | 1.82% | 4.49% | 7.51% | 3.14% |
Commercial 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 Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12246) · FFIEC NIC profile (RSSD 42457)