Exchange 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 climbed 0.40 percentage points in Q2 2026, from 3.17% to 3.57%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Exchange Bank is 95th of 138 on net interest margin, 3.57% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Exchange Bank sits 0.14 points lower, at 3.57% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.23% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.80% |
| Cost of interest-bearing deposits | 3.13% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | 3.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.57% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.3M |
| Total interest expense | $10.4M |
| Interest expense on deposits | $8.7M |
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 |
|---|---|---|---|
| Q3 2023 | 5.38% | 2.66% | 2.78% |
| Q4 2023 | 5.56% | 2.97% | 2.73% |
| Q1 2024 | 5.57% | 2.99% | 2.67% |
| Q2 2024 | 5.70% | 3.11% | 2.68% |
| Q3 2024 | 5.87% | 3.39% | 2.65% |
| Q4 2024 | 5.89% | 3.36% | 2.69% |
| Q1 2025 | 5.89% | 3.13% | 2.90% |
| Q2 2025 | 6.04% | 3.09% | 3.09% |
| Q3 2025 | 6.01% | 3.07% | 3.09% |
| Q4 2025 | 5.86% | 2.70% | 3.29% |
| Q1 2026 | 5.84% | 2.81% | 3.17% |
| Q2 2026 | 6.23% | 2.80% | 3.57% |
Exchange 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 Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1435) · FFIEC NIC profile (RSSD 492650)