Hershey 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, Cost of borrowings fell 0.62 percentage points in Q2 2026 to 2.38%, the biggest move on this page. Hershey Bank ranks 51st of 138 Nebraska banks on net interest margin, in the upper half at 4.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Hershey Bank sits 0.13 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.28% |
| Yield on loans | 6.68% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.43% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 2.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $717K |
| Interest expense on deposits | $652K |
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 | 6.08% | 1.79% | 4.49% | 6.87% | 2.53% |
| Q4 2023 | 6.65% | 1.93% | 4.96% | 7.46% | 2.32% |
| Q1 2024 | 6.23% | 1.98% | 4.46% | 6.76% | 2.50% |
| Q2 2024 | 6.45% | 2.10% | 4.61% | 6.81% | 3.26% |
| Q3 2024 | 6.77% | 2.58% | 4.46% | 7.08% | 3.46% |
| Q4 2024 | 7.06% | 2.85% | 4.48% | 7.36% | 3.32% |
| Q1 2025 | 6.44% | 3.09% | 3.97% | 6.66% | 3.24% |
| Q2 2025 | 6.61% | 2.84% | 4.28% | 6.82% | 3.32% |
| Q3 2025 | 6.70% | 3.09% | 4.30% | 6.93% | 3.65% |
| Q4 2025 | 6.70% | 3.15% | 4.27% | 7.04% | 3.46% |
| Q1 2026 | 6.19% | 2.52% | 3.86% | 6.47% | 3.24% |
| Q2 2026 | 6.28% | 2.43% | 4.07% | 6.68% | 3.25% |
Hershey 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 Hershey 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 Hershey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19809) · FFIEC NIC profile (RSSD 96553)