First Central 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, Cost of borrowings fell 0.37 percentage points in Q2 2026 to 3.08%, the biggest move on this page. Within Nebraska, First Central Bank is 47th of 138 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. First Central Bank reported 4.15% on net interest margin for Q2 2026, 0.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.85% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 3.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $639K |
| Interest expense on deposits | $614K |
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 | 6.50% | 1.97% | 4.70% | 7.21% | 2.41% |
| Q4 2023 | 6.79% | 2.21% | 4.76% | 7.42% | 2.50% |
| Q1 2024 | 7.77% | 2.27% | 5.67% | 8.76% | 2.68% |
| Q2 2024 | 6.61% | 2.34% | 4.47% | 7.32% | 2.78% |
| Q3 2024 | 6.74% | 2.49% | 4.46% | 7.33% | 2.90% |
| Q4 2024 | 6.70% | 2.43% | 4.48% | 7.34% | 3.20% |
| Q1 2025 | 6.21% | 2.30% | 4.05% | 6.79% | 2.70% |
| Q2 2025 | 6.25% | 2.28% | 4.09% | 6.88% | 2.74% |
| Q3 2025 | 7.30% | 2.51% | 4.98% | 8.05% | 4.29% |
| Q4 2025 | 6.73% | 2.42% | 4.53% | 7.74% | 3.31% |
| Q1 2026 | 6.35% | 2.19% | 4.33% | 7.20% | 3.50% |
| Q2 2026 | 6.08% | 2.12% | 4.15% | 6.85% | 3.68% |
First Central 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 First Central 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 First Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10637) · FFIEC NIC profile (RSSD 134156)