First National Bank of Johnson: 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, Net interest margin rose 0.25 percentage points in Q2 2026 to 2.67%, the biggest move on this page. On net interest margin, First National Bank of Johnson is 7th from the bottom among 138 Nebraska banks, 2.67% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. First National Bank of Johnson sits 1.22 points lower, at 2.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.56% |
| Yield on loans | 5.54% |
| Yield on securities | 2.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.30% |
| Cost of interest-bearing liabilities | 1.31% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.67% |
| Yield to cost spread | 2.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $426K |
| Total interest expense | $200K |
| Interest expense on deposits | $198K |
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 | 2.19% | 0.65% | 1.63% | 4.71% | 0.97% |
| Q4 2023 | 2.33% | 0.73% | 1.71% | 4.88% | 1.09% |
| Q1 2024 | 2.34% | 0.88% | 1.58% | 5.07% | 0.97% |
| Q2 2024 | 2.43% | 0.97% | 1.60% | 5.22% | 0.99% |
| Q3 2024 | 2.50% | 1.24% | 1.48% | 5.39% | 0.99% |
| Q4 2024 | 2.60% | 1.28% | 1.52% | 5.43% | 1.01% |
| Q1 2025 | 2.75% | 0.94% | 1.94% | 5.49% | 1.00% |
| Q2 2025 | 2.83% | 1.06% | 1.91% | 5.61% | 1.02% |
| Q3 2025 | 2.93% | 1.10% | 1.97% | 5.66% | 1.14% |
| Q4 2025 | 3.26% | 1.09% | 2.30% | 5.68% | 1.53% |
| Q1 2026 | 3.30% | 1.00% | 2.42% | 5.39% | 1.92% |
| Q2 2026 | 3.56% | 1.01% | 2.67% | 5.54% | 2.36% |
First National Bank of Johnson 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 of Johnson, 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 of Johnson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5422) · FFIEC NIC profile (RSSD 563457)