First National Bank of Omaha: 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, Net interest margin edged up by 0.08 percentage points, from 6.36% to 6.44%, the largest move among the key lines here. First National Bank of Omaha has the highest net interest margin of the 138 banks headquartered in Nebraska, 6.44% as of Q2 2026. Against a median of 3.60% for banks in the $10B-100B asset tier, First National Bank of Omaha reported 6.44% on net interest margin in Q2 2026, 2.84 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.29% |
| Yield on loans | 9.82% |
| Yield on securities | 3.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 5.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.44% |
| Yield to cost spread | 5.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $601.1M |
| Total interest expense | $150.5M |
| Interest expense on deposits | $128.9M |
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 | 8.69% | 2.41% | 6.39% | 10.41% | 2.84% |
| Q4 2023 | 8.87% | 2.77% | 6.23% | 10.54% | 2.91% |
| Q1 2024 | 8.88% | 2.86% | 6.18% | 10.56% | 2.96% |
| Q2 2024 | 8.82% | 2.83% | 6.17% | 10.45% | 3.02% |
| Q3 2024 | 8.97% | 2.89% | 6.27% | 10.68% | 3.09% |
| Q4 2024 | 8.87% | 2.63% | 6.40% | 10.52% | 3.14% |
| Q1 2025 | 8.58% | 2.32% | 6.39% | 10.22% | 3.17% |
| Q2 2025 | 8.64% | 2.24% | 6.54% | 10.23% | 3.31% |
| Q3 2025 | 8.78% | 2.27% | 6.66% | 10.41% | 3.28% |
| Q4 2025 | 8.47% | 2.16% | 6.46% | 9.99% | 3.51% |
| Q1 2026 | 8.25% | 2.01% | 6.36% | 9.75% | 3.41% |
| Q2 2026 | 8.29% | 1.99% | 6.44% | 9.82% | 3.55% |
First National Bank of Omaha 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 Omaha, 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 Omaha profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5452) · FFIEC NIC profile (RSSD 527954)