Henderson State 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.
Total interest expense rose 5.2% from Q1 2026 to Q2 2026, ending at $4.4M against $4.2M. It was the largest change among the key lines on this page. Within Nebraska, Henderson State Bank is 57th of 138 on net interest margin, 4.04% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Henderson State Bank reported 4.04% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.79% |
| Yield on loans | 7.26% |
| Yield on securities | 4.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.97% |
| Cost of interest-bearing deposits | 3.23% |
| Cost of interest-bearing liabilities | 3.22% |
| Cost of borrowings | 2.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.8M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $3.7M |
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 | 6.43% | 3.02% | 3.69% | 7.11% | 2.93% |
| Q4 2023 | 6.51% | 3.23% | 3.53% | 7.15% | 3.04% |
| Q1 2024 | 6.79% | 3.45% | 3.62% | 7.43% | 3.09% |
| Q2 2024 | 6.66% | 3.72% | 3.27% | 7.35% | 3.47% |
| Q3 2024 | 6.77% | 3.86% | 3.19% | 7.50% | 3.71% |
| Q4 2024 | 6.73% | 3.70% | 3.48% | 7.41% | 3.91% |
| Q1 2025 | 6.73% | 3.11% | 3.78% | 7.29% | 3.80% |
| Q2 2025 | 6.93% | 3.13% | 4.01% | 7.49% | 3.85% |
| Q3 2025 | 7.07% | 3.20% | 4.08% | 7.59% | 3.98% |
| Q4 2025 | 6.90% | 3.08% | 4.02% | 7.44% | 3.98% |
| Q1 2026 | 6.71% | 2.92% | 3.96% | 7.14% | 4.03% |
| Q2 2026 | 6.79% | 2.97% | 4.04% | 7.26% | 4.03% |
Henderson State 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 Henderson State 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 Henderson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17229) · FFIEC NIC profile (RSSD 97055)