First Central Bank McCook: 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 standout move of Q2 2026 was in Net interest margin: 0.43 percentage points higher than in Q1 2026, at 4.18%. Within Nebraska, First Central Bank McCook is 41st of 138 on net interest margin, 4.18% as of Q2 2026, above the middle of the field. First Central Bank McCook reported 4.18% on net interest margin for Q2 2026, 0.23 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.39% |
| Yield on loans | 7.14% |
| Yield on securities | 3.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.39% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | 2.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $664K |
| Interest expense on deposits | $644K |
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 | 6.35% | 2.22% | 4.31% | 7.08% | 1.94% |
| Q4 2023 | 5.68% | 2.64% | 3.27% | 6.21% | 1.96% |
| Q1 2024 | 7.40% | 2.76% | 4.90% | 8.48% | 2.56% |
| Q2 2024 | 7.29% | 2.79% | 4.70% | 8.35% | 2.55% |
| Q3 2024 | 6.62% | 2.82% | 3.98% | 7.21% | 3.00% |
| Q4 2024 | 6.97% | 2.79% | 4.38% | 7.33% | 6.25% |
| Q1 2025 | 6.09% | 2.75% | 3.58% | 6.95% | 2.82% |
| Q2 2025 | 6.35% | 2.70% | 3.88% | 7.37% | 2.88% |
| Q3 2025 | 6.32% | 2.76% | 3.82% | 7.34% | 2.88% |
| Q4 2025 | 6.93% | 2.60% | 4.55% | 7.89% | 4.46% |
| Q1 2026 | 5.99% | 2.44% | 3.75% | 7.03% | 3.39% |
| Q2 2026 | 6.39% | 2.39% | 4.18% | 7.14% | 3.37% |
First Central Bank McCook 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 McCook, 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 McCook profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34995) · FFIEC NIC profile (RSSD 2726050)