First Tri-County 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.
Net interest margin rose 0.29 percentage points from Q2 2026 to Q3 2026, ending at 3.84% against 3.55%. It was the largest change among the key lines on this page. Within Nebraska, First Tri-County Bank is 67th of 138 on net interest margin, 3.84% as of Q3 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; First Tri-County Bank reported 3.84% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.12% |
| Yield on loans | 6.04% |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $705K |
| Total interest expense | $232K |
| Interest expense on deposits | $232K |
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 | 4.37% | 1.67% | 2.95% | 5.39% | 1.69% |
| Q1 2024 | 4.38% | 1.59% | 2.91% | 5.48% | 1.68% |
| Q2 2024 | 4.58% | 2.03% | 2.76% | 5.72% | 1.70% |
| Q3 2024 | 4.88% | 2.17% | 3.01% | 6.10% | 1.72% |
| Q4 2024 | 4.76% | 2.47% | 2.61% | 5.95% | 1.67% |
| Q1 2025 | 4.69% | 1.56% | 3.23% | 5.83% | 1.61% |
| Q2 2025 | 4.94% | 1.49% | 3.55% | 6.08% | 1.82% |
| Q3 2025 | 5.36% | 1.45% | 4.00% | 6.23% | 2.12% |
| Q4 2025 | 5.13% | 1.45% | 3.78% | 6.12% | 2.53% |
| Q1 2026 | 4.82% | 1.35% | 3.56% | 5.91% | 2.83% |
| Q2 2026 | 4.80% | 1.33% | 3.55% | 5.87% | 3.19% |
| Q3 2026 | 5.12% | 1.37% | 3.84% | 6.04% | 3.63% |
First Tri-County 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 Tri-County 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 Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8333) · FFIEC NIC profile (RSSD 570651)