Midwest 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, Total interest expense edged down by 2.3%, from $7.1M to $6.9M, the largest move among the key lines here. Midwest Bank ranks 82nd of 138 Nebraska banks on net interest margin, in the lower half at 3.71% (Q2 2026). At 3.71%, Midwest Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | 6.70% |
| Yield on securities | 3.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 2.68% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | 3.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.3M |
| Total interest expense | $6.9M |
| Interest expense on deposits | $6.2M |
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 | 5.20% | 2.29% | 3.04% | 5.85% | 3.15% |
| Q4 2023 | 5.42% | 2.63% | 2.92% | 6.09% | 3.20% |
| Q1 2024 | 5.58% | 2.76% | 2.96% | 6.26% | 3.23% |
| Q2 2024 | 5.71% | 2.90% | 2.94% | 6.37% | 3.26% |
| Q3 2024 | 5.85% | 2.98% | 2.99% | 6.52% | 3.28% |
| Q4 2024 | 5.79% | 2.80% | 3.13% | 6.46% | 3.27% |
| Q1 2025 | 5.74% | 2.65% | 3.22% | 6.39% | 3.24% |
| Q2 2025 | 5.86% | 2.66% | 3.32% | 6.50% | 3.31% |
| Q3 2025 | 6.08% | 2.73% | 3.48% | 6.68% | 3.63% |
| Q4 2025 | 6.04% | 2.62% | 3.58% | 6.62% | 3.76% |
| Q1 2026 | 5.97% | 2.49% | 3.62% | 6.60% | 3.80% |
| Q2 2026 | 6.00% | 2.42% | 3.71% | 6.70% | 3.82% |
Midwest 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 Midwest 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 Midwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13255) · FFIEC NIC profile (RSSD 669555)