First Bank and Trust of Fullerton: 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: Cost of interest-bearing liabilities edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 2.29%. First Bank and Trust of Fullerton ranks 111th of 138 Nebraska banks on net interest margin, in the lower half at 3.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Bank and Trust of Fullerton sits 0.57 points lower, at 3.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 5.90% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $991K |
| Total interest expense | $459K |
| Interest expense on deposits | $383K |
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 | 5.06% | 2.60% | 3.12% | 5.84% | 3.14% |
| Q4 2023 | 5.18% | 2.79% | 3.04% | 5.95% | 3.16% |
| Q1 2024 | 5.13% | 2.37% | 3.18% | 5.97% | 3.17% |
| Q2 2024 | 5.31% | 2.42% | 3.29% | 6.07% | 3.30% |
| Q3 2024 | 5.45% | 2.90% | 3.16% | 6.28% | 3.34% |
| Q4 2024 | 5.32% | 2.73% | 3.14% | 6.07% | 3.33% |
| Q1 2025 | 5.06% | 2.16% | 3.09% | 5.84% | 3.36% |
| Q2 2025 | 5.24% | 2.17% | 3.27% | 6.05% | 3.35% |
| Q3 2025 | 5.44% | 2.34% | 3.31% | 6.23% | 3.60% |
| Q4 2025 | 5.39% | 2.28% | 3.29% | 6.20% | 3.67% |
| Q1 2026 | 5.14% | 1.96% | 3.35% | 5.82% | 3.74% |
| Q2 2026 | 5.19% | 1.98% | 3.38% | 5.90% | 3.66% |
First Bank and Trust of Fullerton 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 of Fullerton, 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 of Fullerton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5405) · FFIEC NIC profile (RSSD 266655)