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.
In Q2 2026, Total interest expense edged down by 2.1%, from $1.1M to $1.1M, the largest move among the key lines here. First State Bank ranks 120th of 138 Nebraska banks on net interest margin, in the lower half at 3.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First State Bank sits 0.80 points lower, at 3.14% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 6.57% |
| Yield on securities | 3.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.87% |
| Cost of borrowings | 4.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.14% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $506K |
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 | 5.06% | 2.71% | 2.58% | 6.22% | 2.19% |
| Q4 2023 | 5.26% | 2.72% | 2.78% | 6.37% | 2.61% |
| Q1 2024 | 5.18% | 2.74% | 2.71% | 6.37% | 2.33% |
| Q2 2024 | 5.42% | 2.85% | 2.83% | 6.67% | 2.54% |
| Q3 2024 | 5.45% | 2.99% | 2.74% | 6.75% | 2.62% |
| Q4 2024 | 5.31% | 2.82% | 2.68% | 6.63% | 2.89% |
| Q1 2025 | 5.25% | 2.54% | 2.80% | 6.59% | 3.33% |
| Q2 2025 | 5.25% | 2.58% | 2.86% | 6.43% | 3.52% |
| Q3 2025 | 5.43% | 2.81% | 2.87% | 6.67% | 3.70% |
| Q4 2025 | 5.69% | 2.58% | 3.24% | 7.13% | 3.81% |
| Q1 2026 | 5.31% | 2.40% | 3.08% | 6.60% | 3.90% |
| Q2 2026 | 5.35% | 2.35% | 3.14% | 6.57% | 3.96% |
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 12244) · FFIEC NIC profile (RSSD 488756)