Equitable 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.
Compared with Q1 2026, Net interest margin rose 0.23 percentage points in Q2 2026 to 3.79%, the biggest move on this page. Equitable Bank ranks 74th of 138 Nebraska banks on net interest margin, in the lower half at 3.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Equitable Bank sits 0.15 points lower, at 3.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.09% |
| Yield on loans | 6.27% |
| Yield on securities | 4.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.0M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.7M |
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 | 5.24% | 2.52% | 2.87% | 5.52% | 1.17% |
| Q4 2023 | 5.43% | 2.72% | 2.88% | 5.66% | 1.17% |
| Q1 2024 | 5.52% | 2.92% | 2.78% | 5.80% | 1.28% |
| Q2 2024 | 5.77% | 3.05% | 2.91% | 5.92% | 3.07% |
| Q3 2024 | 5.92% | 3.12% | 3.00% | 6.05% | 3.83% |
| Q4 2024 | 5.93% | 2.90% | 3.23% | 6.07% | 3.99% |
| Q1 2025 | 5.73% | 2.73% | 3.20% | 5.87% | 4.28% |
| Q2 2025 | 5.83% | 2.75% | 3.26% | 6.00% | 4.27% |
| Q3 2025 | 6.01% | 2.73% | 3.46% | 6.16% | 4.31% |
| Q4 2025 | 5.96% | 2.60% | 3.55% | 6.11% | 4.38% |
| Q1 2026 | 5.85% | 2.46% | 3.56% | 6.06% | 4.40% |
| Q2 2026 | 6.09% | 2.21% | 3.79% | 6.27% | 4.35% |
Equitable 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 Equitable 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 Equitable Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31485) · FFIEC NIC profile (RSSD 81175)