Dayspring 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 biggest quarter-over-quarter change on this page was a small one: Yield to cost spread edged up 0.13 percentage points between Q1 2026 and Q2 2026, to 2.25%. Dayspring Bank has the 8th lowest net interest margin of the 138 banks headquartered in Nebraska, at 2.86% as of Q2 2026. Dayspring Bank reported 2.86% on net interest margin for Q2 2026, 0.85 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.61% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.14% |
| Cost of interest-bearing deposits | 3.44% |
| Cost of interest-bearing liabilities | 3.50% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.86% |
| Yield to cost spread | 2.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.9M |
| Total interest expense | $8.5M |
| Interest expense on deposits | $7.1M |
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 | 5.12% | 4.02% | 1.45% | 6.02% | 2.89% |
| Q4 2023 | 5.22% | 4.09% | 1.32% | 5.73% | 2.92% |
| Q1 2024 | 5.20% | 3.97% | 1.70% | 6.20% | 2.61% |
| Q2 2024 | 5.70% | 3.90% | 2.08% | 6.77% | 3.08% |
| Q3 2024 | 5.59% | 4.42% | 1.92% | 6.63% | 3.23% |
| Q4 2024 | 5.54% | 3.89% | 1.95% | 6.47% | 3.38% |
| Q1 2025 | 5.64% | 3.63% | 2.24% | 6.59% | 3.34% |
| Q2 2025 | 5.66% | 3.58% | 2.36% | 6.63% | 3.49% |
| Q3 2025 | 5.78% | 3.57% | 2.46% | 6.67% | 3.53% |
| Q4 2025 | 5.80% | 3.42% | 2.59% | 6.68% | 3.79% |
| Q1 2026 | 5.73% | 3.17% | 2.80% | 6.63% | 3.42% |
| Q2 2026 | 5.75% | 3.14% | 2.86% | 6.61% | 3.49% |
Dayspring 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 Dayspring 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 Dayspring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13622) · FFIEC NIC profile (RSSD 151957)