First Community 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.
The standout move of Q2 2026 was in Yield on securities: 0.75 percentage points higher than in Q1 2026, at 2.76%. First Community Bank ranks 71st of 138 Nebraska banks on net interest margin, in the lower half at 3.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First Community Bank sits 0.13 points lower, at 3.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.53% |
| Yield on loans | 7.25% |
| Yield on securities | 2.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.66% |
| Cost of interest-bearing deposits | 3.23% |
| Cost of interest-bearing liabilities | 3.23% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.0M |
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 | 6.22% | 2.77% | 3.51% | 7.32% | 2.18% |
| Q4 2023 | 6.28% | 3.10% | 3.17% | 7.43% | 2.05% |
| Q1 2024 | 6.48% | 3.21% | 3.24% | 7.59% | 2.25% |
| Q2 2024 | 6.49% | 3.38% | 3.15% | 7.66% | 2.11% |
| Q3 2024 | 6.62% | 3.40% | 3.25% | 7.89% | 2.17% |
| Q4 2024 | 6.47% | 3.28% | 3.27% | 7.74% | 2.51% |
| Q1 2025 | 6.59% | 3.19% | 3.37% | 7.52% | 2.28% |
| Q2 2025 | 6.74% | 3.13% | 3.59% | 7.61% | 2.48% |
| Q3 2025 | 6.79% | 3.11% | 3.65% | 7.62% | 2.38% |
| Q4 2025 | 6.22% | 2.75% | 3.46% | 7.06% | 1.78% |
| Q1 2026 | 6.27% | 2.63% | 3.61% | 7.22% | 2.01% |
| Q2 2026 | 6.53% | 2.66% | 3.81% | 7.25% | 2.76% |
First Community 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 Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5384) · FFIEC NIC profile (RSSD 993250)