Countryside 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.
Yield on securities rose 0.35 percentage points from Q1 2026 to Q2 2026, ending at 3.07% against 2.72%. It was the largest change among the key lines on this page. Within Nebraska, Countryside Bank is 104th of 138 on net interest margin, 3.45% as of Q2 2026, below the middle of the field. Countryside Bank reported 3.45% on net interest margin for Q2 2026, 0.50 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 6.19% |
| Yield on securities | 3.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 1.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $431K |
| Interest expense on deposits | $418K |
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 | 3.80% | 1.49% | 2.46% | 5.19% | 1.68% |
| Q4 2023 | 3.95% | 1.56% | 2.58% | 5.49% | 1.65% |
| Q1 2024 | 3.90% | 1.63% | 2.46% | 5.20% | 1.68% |
| Q2 2024 | 4.22% | 1.78% | 2.58% | 5.56% | 2.03% |
| Q3 2024 | 4.51% | 2.00% | 2.73% | 5.92% | 2.13% |
| Q4 2024 | 4.54% | 1.92% | 2.83% | 5.92% | 2.18% |
| Q1 2025 | 4.49% | 1.74% | 2.93% | 5.88% | 2.29% |
| Q2 2025 | 4.83% | 1.76% | 3.28% | 6.12% | 2.53% |
| Q3 2025 | 5.03% | 1.76% | 3.47% | 6.32% | 2.58% |
| Q4 2025 | 4.98% | 1.75% | 3.43% | 6.30% | 2.59% |
| Q1 2026 | 4.82% | 1.68% | 3.34% | 6.17% | 2.72% |
| Q2 2026 | 4.96% | 1.73% | 3.45% | 6.19% | 3.07% |
Countryside 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 Countryside 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 Countryside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1438) · FFIEC NIC profile (RSSD 474357)