First Northeast Bank of Nebraska: 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 Q3 2026 was in Net interest margin: 0.56 percentage points higher than in Q2 2026, at 3.55%. Within Nebraska, First Northeast Bank of Nebraska is 96th of 138 on net interest margin, 3.55% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Northeast Bank of Nebraska sits 0.40 points lower, at 3.55% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.15% |
| Yield on securities | 5.18% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.30% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 3.46% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $1.9M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.60% | 2.50% | 3.33% | 5.62% | 5.64% |
| Q1 2024 | 5.40% | 2.64% | 3.03% | 5.43% | 5.41% |
| Q2 2024 | 5.65% | 2.85% | 3.11% | 5.79% | 5.57% |
| Q3 2024 | 5.97% | 2.97% | 3.33% | 6.14% | 5.86% |
| Q4 2024 | 5.70% | 2.86% | 3.18% | 6.03% | 5.52% |
| Q1 2025 | 5.31% | 2.67% | 2.94% | 5.90% | 4.98% |
| Q2 2025 | 5.43% | 2.63% | 3.10% | 6.17% | 4.93% |
| Q3 2025 | 5.46% | 2.66% | 3.13% | 6.31% | 4.96% |
| Q4 2025 | 5.41% | 2.64% | 3.06% | 6.20% | 4.92% |
| Q1 2026 | 5.03% | 2.38% | 2.93% | 6.01% | 4.47% |
| Q2 2026 | 5.06% | 2.34% | 2.99% | 6.08% | 4.45% |
| Q3 2026 | 5.54% | 2.30% | 3.55% | 6.15% | 5.18% |
First Northeast Bank of Nebraska 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 Northeast Bank of Nebraska, 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 Northeast Bank of Nebraska profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5432) · FFIEC NIC profile (RSSD 208655)