Horizon 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 climbed 23.1% in Q2 2026, from $1.7M to $2.1M. It was the largest change from Q1 2026 among the key lines here. Among 138 Nebraska banks, Horizon Bank sits 4th from the top on net interest margin, 5.37% as of Q2 2026. Horizon Bank reported 5.37% on net interest margin for Q2 2026, 1.42 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.02% |
| Yield on loans | 7.69% |
| Yield on securities | 5.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.37% |
| Yield to cost spread | 5.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 | 5.75% | 1.18% | 4.73% | 6.06% | 5.20% |
| Q4 2023 | 6.08% | 1.40% | 4.88% | 6.39% | 5.40% |
| Q1 2024 | 5.65% | 1.63% | 4.22% | 5.87% | 5.17% |
| Q2 2024 | 6.56% | 1.62% | 5.13% | 6.94% | 5.10% |
| Q3 2024 | 6.00% | 1.73% | 4.48% | 6.27% | 5.14% |
| Q4 2024 | 6.42% | 1.67% | 4.95% | 6.79% | 4.87% |
| Q1 2025 | 6.31% | 1.66% | 4.85% | 6.69% | 4.54% |
| Q2 2025 | 6.88% | 1.63% | 5.45% | 7.38% | 4.50% |
| Q3 2025 | 7.15% | 1.62% | 5.72% | 7.71% | 4.52% |
| Q4 2025 | 7.23% | 1.61% | 5.82% | 7.85% | 4.55% |
| Q1 2026 | 6.46% | 1.58% | 5.06% | 7.06% | 4.26% |
| Q2 2026 | 7.02% | 1.83% | 5.37% | 7.69% | 5.10% |
Horizon 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 Horizon 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 Horizon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14327) · FFIEC NIC profile (RSSD 663955)