Enterprise 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.
Net interest margin rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 3.12% against 2.82%. It was the largest change among the key lines on this page. Enterprise Bank ranks 122nd of 138 Nebraska banks on net interest margin, in the lower half at 3.12% (Q2 2026). Enterprise Bank reported 3.12% on net interest margin for Q2 2026, 0.82 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.77% |
| Yield on loans | 6.19% |
| Yield on securities | 2.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.99% |
| Cost of interest-bearing deposits | 3.37% |
| Cost of interest-bearing liabilities | 3.36% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.12% |
| Yield to cost spread | 2.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.5M |
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 | 4.97% | 2.62% | 2.65% | 5.14% | 2.01% |
| Q4 2023 | 5.20% | 3.05% | 2.53% | 5.31% | 2.05% |
| Q1 2024 | 5.22% | 3.39% | 2.28% | 5.41% | 2.05% |
| Q2 2024 | 5.43% | 3.37% | 2.37% | 5.51% | 2.10% |
| Q3 2024 | 5.46% | 3.58% | 2.25% | 5.67% | 2.11% |
| Q4 2024 | 5.54% | 3.43% | 2.54% | 5.75% | 2.07% |
| Q1 2025 | 5.44% | 3.19% | 2.61% | 5.73% | 2.18% |
| Q2 2025 | 5.70% | 3.27% | 2.78% | 5.93% | 2.25% |
| Q3 2025 | 5.74% | 3.27% | 2.84% | 6.05% | 2.33% |
| Q4 2025 | 5.64% | 2.99% | 2.92% | 6.06% | 2.36% |
| Q1 2026 | 5.46% | 2.97% | 2.82% | 5.96% | 2.48% |
| Q2 2026 | 5.77% | 2.99% | 3.12% | 6.19% | 2.58% |
Enterprise 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 Enterprise 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 Enterprise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33380) · FFIEC NIC profile (RSSD 1836701)