Madison County 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.
The biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged up 0.22 percentage points between Q1 2026 and Q2 2026, to 4.12%. Madison County Bank has the 14th lowest net interest margin of the 138 banks headquartered in Nebraska, at 3.03% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Madison County Bank sits 0.91 points lower, at 3.03% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.34% |
| Yield on loans | 5.81% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.54% |
| Cost of interest-bearing deposits | 2.80% |
| Cost of interest-bearing liabilities | 2.89% |
| Cost of borrowings | 4.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.03% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.5M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.0M |
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 | 4.54% | 3.15% | 1.74% | 4.85% | 3.20% |
| Q4 2023 | 4.68% | 3.22% | 1.81% | 4.99% | 3.22% |
| Q1 2024 | 4.68% | 3.08% | 1.92% | 5.00% | 3.25% |
| Q2 2024 | 4.97% | 3.12% | 2.12% | 5.36% | 3.25% |
| Q3 2024 | 5.03% | 3.21% | 2.11% | 5.45% | 3.25% |
| Q4 2024 | 4.99% | 2.90% | 2.38% | 5.35% | 3.23% |
| Q1 2025 | 4.95% | 2.72% | 2.46% | 5.34% | 3.23% |
| Q2 2025 | 5.12% | 2.85% | 2.56% | 5.52% | 3.24% |
| Q3 2025 | 5.23% | 2.93% | 2.61% | 5.67% | 3.26% |
| Q4 2025 | 5.27% | 2.73% | 2.82% | 5.69% | 3.30% |
| Q1 2026 | 5.20% | 2.53% | 2.93% | 5.63% | 3.29% |
| Q2 2026 | 5.34% | 2.54% | 3.03% | 5.81% | 3.34% |
Madison County 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 Madison County 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 Madison County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31999) · FFIEC NIC profile (RSSD 385471)