Cornerstone 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: 1.22 percentage points higher than in Q1 2026, at 3.59%. Within Nebraska, Cornerstone Bank is 103rd of 138 on net interest margin, 3.45% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Cornerstone Bank sits 0.26 points lower, at 3.45% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.34% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 3.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $32.7M |
| Total interest expense | $13.7M |
| Interest expense on deposits | $13.0M |
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 | 5.41% | 2.38% | 3.14% | 6.35% | 2.14% |
| Q4 2023 | 5.56% | 2.70% | 2.97% | 6.50% | 2.16% |
| Q1 2024 | 5.63% | 2.83% | 2.96% | 6.58% | 2.15% |
| Q2 2024 | 5.74% | 3.02% | 2.87% | 6.65% | 2.17% |
| Q3 2024 | 5.87% | 3.19% | 2.83% | 6.78% | 2.18% |
| Q4 2024 | 5.77% | 3.03% | 2.87% | 6.63% | 2.21% |
| Q1 2025 | 5.66% | 2.77% | 3.02% | 6.51% | 2.17% |
| Q2 2025 | 5.74% | 2.74% | 3.15% | 6.59% | 2.20% |
| Q3 2025 | 5.85% | 2.74% | 3.27% | 6.70% | 2.30% |
| Q4 2025 | 5.76% | 2.58% | 3.32% | 6.60% | 2.34% |
| Q1 2026 | 5.56% | 2.31% | 3.39% | 6.42% | 2.30% |
| Q2 2026 | 5.55% | 2.25% | 3.45% | 6.34% | 2.38% |
Cornerstone 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 Cornerstone 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 Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5496) · FFIEC NIC profile (RSSD 403151)