First National Bank in Ord: 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.
In Q2 2026, Yield on loans edged up by 0.16 percentage points, from 6.10% to 6.26%, the largest move among the key lines here. Within Nebraska, First National Bank in Ord is 64th of 138 on net interest margin, 3.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; First National Bank in Ord reported 3.87% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 6.26% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $469K |
| Interest expense on deposits | $469K |
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 | 5.07% | 0.89% | 4.25% | 5.98% | 3.65% |
| Q4 2023 | 5.51% | 1.09% | 4.50% | 6.19% | 4.46% |
| Q1 2024 | 5.62% | 1.21% | 4.48% | 6.26% | 4.73% |
| Q2 2024 | 5.78% | 1.31% | 4.54% | 6.51% | 4.78% |
| Q3 2024 | 5.83% | 1.42% | 4.54% | 6.56% | 4.74% |
| Q4 2024 | 5.65% | 1.54% | 4.25% | 6.47% | 4.51% |
| Q1 2025 | 5.39% | 1.42% | 4.07% | 6.32% | 4.30% |
| Q2 2025 | 5.25% | 1.41% | 3.96% | 6.25% | 4.09% |
| Q3 2025 | 5.32% | 1.38% | 4.07% | 6.36% | 4.01% |
| Q4 2025 | 5.20% | 1.39% | 3.95% | 6.32% | 3.90% |
| Q1 2026 | 4.98% | 1.29% | 3.80% | 6.10% | 3.71% |
| Q2 2026 | 5.00% | 1.25% | 3.87% | 6.26% | 3.66% |
First National Bank in Ord 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 National Bank in Ord, 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 National Bank in Ord profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5460) · FFIEC NIC profile (RSSD 850054)