F&M 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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 3.52% to 3.62%, the largest move among the key lines here. Within Nebraska, F&M Bank is 88th of 138 on net interest margin, 3.62% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. F&M Bank sits 0.33 points lower, at 3.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 5.76% |
| Yield on securities | 3.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 1.60% |
| Cost of interest-bearing liabilities | 1.54% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.62% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $809K |
| Total interest expense | $365K |
| Interest expense on deposits | $365K |
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 | 3.90% | 0.84% | 3.13% | 5.27% | 2.43% |
| Q4 2023 | 3.73% | 0.87% | 2.93% | 5.34% | 1.86% |
| Q1 2024 | 4.03% | 1.15% | 2.97% | 5.46% | 2.03% |
| Q2 2024 | 4.36% | 1.54% | 2.97% | 5.58% | 2.81% |
| Q3 2024 | 4.51% | 1.65% | 3.02% | 5.64% | 2.91% |
| Q4 2024 | 4.60% | 1.54% | 3.20% | 5.61% | 2.94% |
| Q1 2025 | 4.47% | 1.38% | 3.27% | 5.56% | 3.00% |
| Q2 2025 | 4.80% | 1.56% | 3.53% | 5.64% | 3.27% |
| Q3 2025 | 4.90% | 1.74% | 3.56% | 5.82% | 3.38% |
| Q4 2025 | 4.94% | 1.34% | 3.79% | 5.68% | 3.41% |
| Q1 2026 | 4.59% | 1.23% | 3.52% | 5.72% | 3.41% |
| Q2 2026 | 4.73% | 1.27% | 3.62% | 5.76% | 3.44% |
F&M 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 F&M 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 F&M Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5401) · FFIEC NIC profile (RSSD 259059)