Homestead 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, Yield on securities edged up by 0.21 percentage points, from 2.15% to 2.36%, the largest move among the key lines here. Within Nebraska, Homestead Bank is 46th of 138 on net interest margin, 4.16% 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. Homestead Bank sits 0.21 points higher, at 4.16% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.74% |
| Yield on securities | 2.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | 2.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $1.6M |
| 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 | 4.68% | 1.70% | 3.25% | 6.41% | 1.54% |
| Q4 2023 | 4.80% | 1.73% | 3.30% | 6.52% | 1.53% |
| Q1 2024 | 4.94% | 1.79% | 3.38% | 6.59% | 1.51% |
| Q2 2024 | 5.04% | 1.97% | 3.35% | 6.69% | 1.50% |
| Q3 2024 | 5.18% | 1.87% | 3.54% | 6.83% | 1.52% |
| Q4 2024 | 5.25% | 1.73% | 3.75% | 6.79% | 1.53% |
| Q1 2025 | 5.21% | 1.63% | 3.80% | 6.60% | 1.62% |
| Q2 2025 | 5.27% | 1.61% | 3.89% | 6.68% | 1.78% |
| Q3 2025 | 5.35% | 1.59% | 3.99% | 6.74% | 1.90% |
| Q4 2025 | 5.45% | 1.52% | 4.17% | 6.78% | 2.05% |
| Q1 2026 | 5.36% | 1.46% | 4.10% | 6.60% | 2.15% |
| Q2 2026 | 5.46% | 1.49% | 4.16% | 6.74% | 2.36% |
Homestead 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 Homestead 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 Homestead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11482) · FFIEC NIC profile (RSSD 140157)