Custer Federal State 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.27 percentage points to 3.77%. Custer Federal State Bank ranks 77th of 138 Nebraska banks on net interest margin, in the lower half at 3.77% (Q2 2026). Custer Federal State Bank reported 3.77% on net interest margin for Q2 2026, 0.18 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 6.67% |
| Yield on securities | 3.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 3.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.77% |
| Yield to cost spread | 3.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $567K |
| Interest expense on deposits | $481K |
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 | 5.09% | 2.03% | 3.19% | 5.89% | 3.68% |
| Q4 2023 | 5.21% | 2.16% | 3.20% | 6.05% | 3.58% |
| Q1 2024 | 5.32% | 2.30% | 3.15% | 6.14% | 3.62% |
| Q2 2024 | 5.50% | 2.46% | 3.21% | 6.32% | 3.69% |
| Q3 2024 | 5.65% | 2.61% | 3.21% | 6.51% | 3.61% |
| Q4 2024 | 5.54% | 2.66% | 3.05% | 6.55% | 3.53% |
| Q1 2025 | 5.35% | 2.49% | 3.03% | 6.40% | 3.42% |
| Q2 2025 | 5.65% | 2.39% | 3.38% | 6.56% | 3.82% |
| Q3 2025 | 5.78% | 2.31% | 3.62% | 6.76% | 3.65% |
| Q4 2025 | 5.63% | 2.24% | 3.52% | 6.72% | 3.36% |
| Q1 2026 | 5.47% | 2.10% | 3.50% | 6.56% | 3.13% |
| Q2 2026 | 5.71% | 2.08% | 3.77% | 6.67% | 3.38% |
Custer Federal State 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 Custer Federal State 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 Custer Federal State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28543) · FFIEC NIC profile (RSSD 481579)