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 largest change between Q1 2026 and Q2 2026 was in Cost of funds, which rose 0.30 percentage points to 1.90%. Within Nebraska, First State Bank is 113th of 138 on net interest margin, 3.30% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin. First State Bank sits 0.58 points lower, at 3.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 5.79% |
| Yield on securities | 2.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.30% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $419K |
| Total interest expense | $186K |
| Interest expense on deposits | $186K |
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 | 4.24% | 1.35% | 3.10% | 5.24% | 1.85% |
| Q4 2023 | 4.47% | 1.55% | 3.15% | 5.42% | 1.88% |
| Q1 2024 | 4.80% | 1.56% | 3.14% | 5.49% | 1.83% |
| Q2 2024 | 4.86% | 2.00% | 3.08% | 5.79% | 1.51% |
| Q3 2024 | 5.05% | 2.16% | 3.18% | 6.07% | 1.63% |
| Q4 2024 | 5.04% | 2.09% | 3.23% | 5.91% | 4.56% |
| Q1 2025 | 4.82% | 1.64% | 3.11% | 5.77% | 2.50% |
| Q2 2025 | 4.92% | 1.97% | 3.21% | 5.85% | 2.50% |
| Q3 2025 | 5.21% | 2.09% | 3.41% | 5.95% | 2.78% |
| Q4 2025 | 5.23% | 1.93% | 3.58% | 6.09% | 2.39% |
| Q1 2026 | 4.93% | 1.60% | 3.29% | 5.74% | 2.18% |
| Q2 2026 | 4.96% | 1.90% | 3.30% | 5.79% | 2.47% |
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 8604) · FFIEC NIC profile (RSSD 284958)