Flatwater 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.
Cost of borrowings dropped 2.30 percentage points in Q2 2026, from 4.49% to 2.19%. It was the largest change from Q1 2026 among the key lines here. Flatwater Bank ranks 68th of 138 Nebraska banks on net interest margin, in the upper half at 3.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Flatwater Bank sits 0.12 points lower, at 3.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.06% |
| Yield on loans | 6.95% |
| Yield on securities | 2.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 2.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 5.86% | 2.35% | 3.69% | 7.23% | 2.01% |
| Q4 2023 | 6.06% | 2.92% | 3.35% | 7.24% | 2.08% |
| Q1 2024 | 6.00% | 3.21% | 2.97% | 7.27% | 2.47% |
| Q2 2024 | 6.20% | 3.14% | 3.27% | 7.42% | 2.49% |
| Q3 2024 | 6.31% | 3.13% | 3.40% | 7.53% | 2.46% |
| Q4 2024 | 6.30% | 3.09% | 3.43% | 7.47% | 2.45% |
| Q1 2025 | 6.03% | 2.76% | 3.46% | 7.11% | 2.45% |
| Q2 2025 | 6.27% | 2.63% | 3.82% | 7.34% | 2.34% |
| Q3 2025 | 6.37% | 2.74% | 3.81% | 7.37% | 2.36% |
| Q4 2025 | 6.21% | 2.75% | 3.66% | 7.18% | 2.42% |
| Q1 2026 | 5.60% | 2.57% | 3.19% | 6.47% | 2.69% |
| Q2 2026 | 6.06% | 2.37% | 3.83% | 6.95% | 2.71% |
Flatwater 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 Flatwater 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 Flatwater Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10639) · FFIEC NIC profile (RSSD 493152)