Firstier 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 Cost of borrowings: 1.19 percentage points higher than in Q1 2026, at 4.77%. Within Nebraska, Firstier Bank is 93rd of 138 on net interest margin, 3.58% as of Q2 2026. Firstier Bank reported 3.58% on net interest margin for Q2 2026, 0.13 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.38% |
| Yield on loans | 7.05% |
| Yield on securities | 4.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.04% |
| Cost of interest-bearing deposits | 3.37% |
| Cost of interest-bearing liabilities | 3.42% |
| Cost of borrowings | 4.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.1M |
| Total interest expense | $7.2M |
| Interest expense on deposits | $6.9M |
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 | 7.19% | 3.30% | 4.26% | 7.58% | 3.33% |
| Q4 2023 | 7.22% | 3.54% | 4.08% | 7.60% | 3.74% |
| Q1 2024 | 7.33% | 3.50% | 4.07% | 7.73% | 3.66% |
| Q2 2024 | 7.38% | 3.79% | 4.02% | 7.85% | 3.82% |
| Q3 2024 | 7.28% | 3.75% | 4.00% | 7.74% | 3.93% |
| Q4 2024 | 7.23% | 3.44% | 4.29% | 7.66% | 4.00% |
| Q1 2025 | 6.79% | 3.29% | 3.91% | 7.26% | 4.60% |
| Q2 2025 | 6.95% | 3.41% | 3.91% | 7.64% | 4.63% |
| Q3 2025 | 6.77% | 3.44% | 3.70% | 7.39% | 4.52% |
| Q4 2025 | 6.59% | 3.30% | 3.57% | 7.22% | 4.59% |
| Q1 2026 | 6.20% | 3.16% | 3.30% | 6.98% | 4.54% |
| Q2 2026 | 6.38% | 3.04% | 3.58% | 7.05% | 4.55% |
Firstier 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 Firstier 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 Firstier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17478) · FFIEC NIC profile (RSSD 536554)