Minden Exchange Bank & Trust Company: 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 4.00% to 4.12%, the largest move among the key lines here. Minden Exchange Bank & Trust Company ranks 49th of 138 Nebraska banks on net interest margin, in the upper half at 4.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Minden Exchange Bank & Trust Company sits 0.17 points higher, at 4.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | 6.83% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.19% |
| Cost of interest-bearing deposits | 1.47% |
| Cost of interest-bearing liabilities | 1.47% |
| Cost of borrowings | 1.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $485K |
| Interest expense on deposits | $440K |
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 | 4.21% | 0.86% | 3.49% | 6.56% | 2.27% |
| Q4 2023 | 4.37% | 1.42% | 3.19% | 6.68% | 2.41% |
| Q1 2024 | 4.42% | 1.32% | 3.30% | 6.68% | 2.47% |
| Q2 2024 | 4.59% | 1.29% | 3.54% | 6.80% | 2.47% |
| Q3 2024 | 4.55% | 1.65% | 3.21% | 7.07% | 1.93% |
| Q4 2024 | 5.05% | 1.65% | 3.70% | 7.09% | 2.74% |
| Q1 2025 | 4.66% | 1.39% | 3.53% | 6.83% | 2.45% |
| Q2 2025 | 4.68% | 1.43% | 3.53% | 6.33% | 2.82% |
| Q3 2025 | 5.62% | 1.47% | 4.42% | 7.37% | 3.39% |
| Q4 2025 | 5.52% | 1.52% | 4.27% | 7.35% | 3.21% |
| Q1 2026 | 5.00% | 1.22% | 4.00% | 6.73% | 2.98% |
| Q2 2026 | 5.11% | 1.19% | 4.12% | 6.83% | 3.10% |
Minden Exchange Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Minden Exchange Bank & Trust Company, 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 Minden Exchange Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5439) · FFIEC NIC profile (RSSD 456054)