Heartland 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.
Compared with Q1 2026, Net interest margin rose 0.30 percentage points in Q2 2026 to 4.43%, the biggest move on this page. Heartland Bank ranks 26th of 138 Nebraska banks on net interest margin, in the upper half at 4.43% (Q2 2026). Heartland Bank reported 4.43% on net interest margin for Q2 2026, 0.48 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.97% |
| Yield on loans | 6.89% |
| Yield on securities | 2.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | 3.43% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.43% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.2M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $2.9M |
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 | 5.43% | 1.69% | 3.83% | 6.70% | 2.76% |
| Q4 2023 | 5.56% | 2.01% | 3.60% | 6.79% | 2.82% |
| Q1 2024 | 5.61% | 2.02% | 3.66% | 6.85% | 2.81% |
| Q2 2024 | 5.75% | 2.12% | 3.76% | 6.96% | 2.87% |
| Q3 2024 | 5.86% | 2.28% | 3.72% | 7.07% | 2.88% |
| Q4 2024 | 5.84% | 2.21% | 3.76% | 7.02% | 2.89% |
| Q1 2025 | 5.81% | 2.06% | 3.88% | 6.89% | 2.88% |
| Q2 2025 | 5.88% | 2.09% | 3.93% | 6.91% | 2.90% |
| Q3 2025 | 6.02% | 2.17% | 4.00% | 7.03% | 2.89% |
| Q4 2025 | 5.88% | 2.05% | 3.97% | 6.85% | 2.90% |
| Q1 2026 | 5.75% | 1.73% | 4.13% | 6.65% | 2.85% |
| Q2 2026 | 5.97% | 1.66% | 4.43% | 6.89% | 2.91% |
Heartland 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 Heartland 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 Heartland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18740) · FFIEC NIC profile (RSSD 88455)