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.
The standout move of Q2 2026 was in Cost of borrowings: 12.40 percentage points higher than in Q1 2026, at 13.90%. F&M Bank ranks 34th of 138 Nebraska banks on net interest margin, in the upper half at 4.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. F&M Bank sits 0.37 points higher, at 4.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | 6.28% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 13.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.02% | 1.51% | 3.61% | 5.78% | 2.24% |
| Q4 2023 | 5.29% | 1.57% | 3.82% | 5.94% | 2.33% |
| Q1 2024 | 5.50% | 1.70% | 3.91% | 6.04% | 2.52% |
| Q2 2024 | 5.62% | 1.87% | 3.86% | 6.14% | 2.52% |
| Q3 2024 | 5.85% | 1.94% | 4.04% | 6.42% | 2.54% |
| Q4 2024 | 5.77% | 1.91% | 4.01% | 6.26% | 2.49% |
| Q1 2025 | 5.78% | 1.76% | 4.11% | 6.17% | 2.49% |
| Q2 2025 | 6.00% | 1.81% | 4.32% | 6.37% | 2.58% |
| Q3 2025 | 6.14% | 1.82% | 4.44% | 6.53% | 2.53% |
| Q4 2025 | 5.96% | 1.82% | 4.27% | 6.39% | 1.84% |
| Q1 2026 | 5.74% | 1.73% | 4.09% | 6.12% | 1.59% |
| Q2 2026 | 5.99% | 1.78% | 4.32% | 6.28% | 2.63% |
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 14922) · FFIEC NIC profile (RSSD 542153)