First State Bank 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.
Compared with Q1 2026, Total interest expense rose 6.2% in Q2 2026 to $6.0M, the biggest move on this page. First State Bank Nebraska ranks 101st of 138 Nebraska banks on net interest margin, in the lower half at 3.48% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First State Bank Nebraska sits 0.23 points lower, at 3.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.31% |
| Yield on securities | 2.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.48% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.2M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $5.7M |
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 | 4.68% | 2.17% | 2.66% | 5.55% | 1.60% |
| Q4 2023 | 4.95% | 2.18% | 2.91% | 5.83% | 1.64% |
| Q1 2024 | 5.14% | 2.55% | 2.73% | 6.00% | 1.69% |
| Q2 2024 | 5.25% | 2.67% | 2.73% | 6.10% | 1.77% |
| Q3 2024 | 5.51% | 2.76% | 2.91% | 6.36% | 1.84% |
| Q4 2024 | 5.54% | 2.61% | 3.10% | 6.40% | 1.92% |
| Q1 2025 | 5.38% | 2.40% | 3.12% | 6.10% | 2.03% |
| Q2 2025 | 5.53% | 2.48% | 3.20% | 6.24% | 2.07% |
| Q3 2025 | 5.73% | 2.54% | 3.35% | 6.43% | 2.18% |
| Q4 2025 | 5.73% | 2.41% | 3.46% | 6.42% | 2.23% |
| Q1 2026 | 5.63% | 2.27% | 3.50% | 6.26% | 2.36% |
| Q2 2026 | 5.66% | 2.32% | 3.48% | 6.31% | 2.36% |
First State Bank 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 State Bank 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 State Bank Nebraska profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13868) · FFIEC NIC profile (RSSD 499453)