First Bank of Utica: 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.
Yield on securities climbed 3.34 percentage points in Q2 2026, from 3.33% to 6.67%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, First Bank of Utica is 28th of 138 on net interest margin, 4.41% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First Bank of Utica sits 0.52 points higher, at 4.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | 6.53% |
| Yield on securities | 6.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $970K |
| Total interest expense | $300K |
| Interest expense on deposits | $285K |
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 | 5.81% | 1.28% | 4.75% | 6.10% | 4.60% |
| Q4 2023 | 5.89% | 1.64% | 4.54% | 6.21% | 4.73% |
| Q1 2024 | 5.79% | 1.69% | 4.37% | 6.09% | 4.85% |
| Q2 2024 | 5.96% | 1.80% | 4.47% | 6.34% | 4.97% |
| Q3 2024 | 6.26% | 2.04% | 4.58% | 6.52% | 4.77% |
| Q4 2024 | 6.24% | 2.16% | 4.47% | 6.51% | 3.67% |
| Q1 2025 | 5.88% | 1.99% | 4.21% | 6.30% | 4.56% |
| Q2 2025 | 6.07% | 1.95% | 4.44% | 6.47% | 3.90% |
| Q3 2025 | 6.37% | 1.95% | 4.75% | 6.65% | 4.82% |
| Q4 2025 | 6.35% | 1.90% | 4.75% | 6.71% | 3.31% |
| Q1 2026 | 5.85% | 1.89% | 4.25% | 6.46% | 3.33% |
| Q2 2026 | 6.00% | 1.91% | 4.41% | 6.53% | 6.67% |
First Bank of Utica 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 of Utica, 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 of Utica profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14281) · FFIEC NIC profile (RSSD 391959)