Elkhorn Valley Bank & Trust: 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: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 3.53%. Elkhorn Valley Bank & Trust ranks 98th of 138 Nebraska banks on net interest margin, in the lower half at 3.53% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Elkhorn Valley Bank & Trust sits 0.18 points lower, at 3.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.01% |
| Yield on loans | 6.30% |
| Yield on securities | 4.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.61% |
| Cost of interest-bearing deposits | 2.70% |
| Cost of interest-bearing liabilities | 2.78% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.8M |
| Total interest expense | $8.6M |
| Interest expense on deposits | $7.2M |
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 | 4.85% | 2.68% | 2.36% | 5.72% | 1.78% |
| Q4 2023 | 5.20% | 2.82% | 2.43% | 5.95% | 2.56% |
| Q1 2024 | 5.35% | 3.07% | 2.44% | 6.04% | 3.30% |
| Q2 2024 | 5.51% | 3.24% | 2.50% | 6.08% | 3.54% |
| Q3 2024 | 5.72% | 3.25% | 2.58% | 6.30% | 3.76% |
| Q4 2024 | 5.73% | 3.07% | 2.74% | 6.25% | 3.83% |
| Q1 2025 | 5.79% | 2.91% | 3.04% | 6.12% | 4.70% |
| Q2 2025 | 5.79% | 2.86% | 3.10% | 6.24% | 4.28% |
| Q3 2025 | 6.00% | 2.86% | 3.25% | 6.45% | 4.54% |
| Q4 2025 | 5.85% | 2.80% | 3.18% | 6.31% | 4.31% |
| Q1 2026 | 5.90% | 2.64% | 3.41% | 6.21% | 4.89% |
| Q2 2026 | 6.01% | 2.61% | 3.53% | 6.30% | 4.98% |
Elkhorn Valley Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Elkhorn Valley Bank & Trust, 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 Elkhorn Valley Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16553) · FFIEC NIC profile (RSSD 439356)