Jones 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, Net interest margin edged up by 0.12 percentage points, from 3.05% to 3.17%, the largest move among the key lines here. Jones Bank ranks 120th of 138 Nebraska banks on net interest margin, in the lower half at 3.17% (Q2 2026). Jones Bank reported 3.17% on net interest margin for Q2 2026, 0.78 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.52% |
| Yield on securities | 2.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 3.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.17% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.7M |
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 | 4.29% | 1.79% | 2.65% | 5.86% | 2.58% |
| Q4 2023 | 4.44% | 2.10% | 2.52% | 6.00% | 2.61% |
| Q1 2024 | 4.51% | 2.22% | 2.47% | 6.08% | 2.62% |
| Q2 2024 | 4.68% | 2.25% | 2.62% | 6.26% | 2.62% |
| Q3 2024 | 4.87% | 2.52% | 2.58% | 6.57% | 2.60% |
| Q4 2024 | 4.91% | 2.50% | 2.64% | 6.55% | 2.59% |
| Q1 2025 | 4.79% | 2.25% | 2.74% | 6.43% | 2.61% |
| Q2 2025 | 4.98% | 2.23% | 2.96% | 6.58% | 2.63% |
| Q3 2025 | 5.09% | 2.29% | 3.03% | 6.77% | 2.64% |
| Q4 2025 | 5.04% | 2.14% | 3.13% | 6.63% | 2.66% |
| Q1 2026 | 4.85% | 1.99% | 3.05% | 6.51% | 2.66% |
| Q2 2026 | 4.94% | 1.97% | 3.17% | 6.52% | 2.66% |
Jones 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 Jones 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 Jones Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5473) · FFIEC NIC profile (RSSD 469559)