First Bank and Trust Company: 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, Cost of borrowings rose 0.36 percentage points in Q2 2026 to 4.57%, the biggest move on this page. Within Nebraska, First Bank and Trust Company is 106th of 138 on net interest margin, 3.44% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First Bank and Trust Company sits 0.45 points lower, at 3.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | 6.70% |
| Yield on securities | 3.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 4.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.44% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $734K |
| Total interest expense | $363K |
| Interest expense on deposits | $230K |
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 | 4.09% | 1.79% | 2.52% | 5.78% | 1.89% |
| Q4 2023 | 4.27% | 2.12% | 2.44% | 5.90% | 2.27% |
| Q1 2024 | 4.24% | 1.96% | 2.49% | 5.81% | 2.39% |
| Q2 2024 | 4.53% | 2.15% | 2.63% | 6.20% | 2.56% |
| Q3 2024 | 4.77% | 2.50% | 2.64% | 6.42% | 2.67% |
| Q4 2024 | 4.86% | 2.29% | 2.86% | 6.51% | 2.78% |
| Q1 2025 | 4.85% | 1.97% | 3.09% | 6.50% | 2.98% |
| Q2 2025 | 4.95% | 2.06% | 3.17% | 6.62% | 3.10% |
| Q3 2025 | 5.15% | 2.12% | 3.35% | 6.80% | 3.20% |
| Q4 2025 | 4.97% | 2.04% | 3.22% | 6.38% | 3.24% |
| Q1 2026 | 4.98% | 1.79% | 3.40% | 6.60% | 3.29% |
| Q2 2026 | 5.02% | 1.82% | 3.44% | 6.70% | 3.35% |
First Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank and Trust Company, 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 First Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5438) · FFIEC NIC profile (RSSD 114859)