Five Points Bank of Hastings: 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 Total interest expense: 10.9% higher than in Q1 2026, at $2.5M. Five Points Bank of Hastings has the 5th lowest net interest margin of the 138 banks headquartered in Nebraska, at 2.54% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Five Points Bank of Hastings sits 1.41 points lower, at 2.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.46% |
| Yield on loans | 6.24% |
| Yield on securities | 1.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | 2.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.54% |
| Yield to cost spread | 2.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 3.42% | 2.47% | 1.14% | 5.50% | 1.63% |
| Q4 2023 | 3.51% | 2.52% | 1.12% | 5.52% | 1.71% |
| Q1 2024 | 4.04% | 2.53% | 1.29% | 5.63% | 2.11% |
| Q2 2024 | 3.86% | 2.60% | 1.36% | 5.82% | 1.90% |
| Q3 2024 | 3.85% | 2.60% | 1.36% | 6.00% | 1.80% |
| Q4 2024 | 4.01% | 2.29% | 1.85% | 6.12% | 1.77% |
| Q1 2025 | 3.96% | 2.11% | 1.94% | 5.83% | 1.91% |
| Q2 2025 | 3.96% | 2.17% | 1.94% | 6.00% | 1.84% |
| Q3 2025 | 4.22% | 2.29% | 2.13% | 6.43% | 1.96% |
| Q4 2025 | 4.25% | 2.10% | 2.27% | 6.25% | 1.71% |
| Q1 2026 | 4.16% | 1.91% | 2.37% | 6.06% | 1.99% |
| Q2 2026 | 4.46% | 2.06% | 2.54% | 6.24% | 1.91% |
Five Points Bank of Hastings yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Points Bank of Hastings, 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 Five Points Bank of Hastings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14312) · FFIEC NIC profile (RSSD 386450)