First Nebraska 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.
Compared with Q1 2026, Cost of borrowings rose 0.57 percentage points in Q2 2026 to 4.52%, the biggest move on this page. Within Nebraska, First Nebraska Bank is 16th of 138 on net interest margin, 4.56% as of Q2 2026. First Nebraska Bank reported 4.56% on net interest margin for Q2 2026, 0.62 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.03% |
| Yield on loans | 7.17% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 1.77% |
| Cost of interest-bearing liabilities | 1.83% |
| Cost of borrowings | 4.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 4.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 5.28% | 1.20% | 4.11% | 6.66% | 2.36% |
| Q4 2023 | 5.64% | 1.46% | 4.20% | 7.04% | 2.38% |
| Q1 2024 | 5.80% | 1.50% | 4.34% | 7.29% | 2.36% |
| Q2 2024 | 5.77% | 1.56% | 4.28% | 7.27% | 2.22% |
| Q3 2024 | 6.00% | 1.67% | 4.38% | 7.41% | 2.31% |
| Q4 2024 | 5.95% | 1.67% | 4.34% | 7.28% | 2.35% |
| Q1 2025 | 5.72% | 1.60% | 4.15% | 7.02% | 2.34% |
| Q2 2025 | 5.72% | 1.67% | 4.12% | 7.08% | 2.37% |
| Q3 2025 | 5.82% | 1.71% | 4.20% | 7.14% | 2.48% |
| Q4 2025 | 5.97% | 1.65% | 4.40% | 7.21% | 2.68% |
| Q1 2026 | 5.81% | 1.57% | 4.31% | 6.92% | 2.74% |
| Q2 2026 | 6.03% | 1.54% | 4.56% | 7.17% | 2.78% |
First Nebraska 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 Nebraska 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 Nebraska Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12248) · FFIEC NIC profile (RSSD 576952)