First State 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.
The standout move of Q2 2026 was in Net interest margin: 1.78 percentage points lower than in Q1 2026, at 4.47%. Within Nebraska, First State Bank is 20th of 138 on net interest margin, 4.47% as of Q2 2026. First State Bank reported 4.47% on net interest margin for Q2 2026, 0.53 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.59% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 2.10% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 2.51% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $756K |
| Interest expense on deposits | $738K |
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 | 5.00% | 1.75% | 3.36% | 5.94% | 2.26% |
| Q4 2023 | 5.19% | 2.08% | 3.19% | 6.12% | 2.28% |
| Q1 2024 | 5.28% | 1.90% | 3.47% | 6.15% | 2.41% |
| Q2 2024 | 5.43% | 1.87% | 3.69% | 6.28% | 2.51% |
| Q3 2024 | 5.64% | 2.20% | 3.54% | 6.47% | 2.62% |
| Q4 2024 | 5.60% | 2.13% | 3.55% | 6.40% | 2.67% |
| Q1 2025 | 5.52% | 1.68% | 3.93% | 6.29% | 2.73% |
| Q2 2025 | 5.61% | 1.60% | 4.11% | 6.42% | 2.78% |
| Q3 2025 | 5.88% | 1.83% | 4.16% | 6.62% | 3.06% |
| Q4 2025 | 5.88% | 1.84% | 4.14% | 6.65% | 2.94% |
| Q1 2026 | 7.71% | 1.54% | 6.25% | 8.92% | 3.05% |
| Q2 2026 | 5.86% | 1.51% | 4.47% | 6.59% | 2.99% |
First State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16333) · FFIEC NIC profile (RSSD 172859)