MNB 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: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 3.50%. MNB Bank ranks 100th of 138 Nebraska banks on net interest margin, in the lower half at 3.50% (Q2 2026). MNB Bank reported 3.50% on net interest margin for Q2 2026, 0.44 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | 6.54% |
| Yield on securities | 2.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 4.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.2M |
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 | 4.57% | 2.21% | 2.47% | 6.15% | 2.34% |
| Q4 2023 | 4.72% | 2.35% | 2.50% | 6.31% | 2.35% |
| Q1 2024 | 4.77% | 2.43% | 2.45% | 6.32% | 2.35% |
| Q2 2024 | 4.95% | 2.47% | 2.63% | 6.49% | 2.33% |
| Q3 2024 | 4.96% | 2.53% | 2.56% | 6.42% | 2.35% |
| Q4 2024 | 5.01% | 2.34% | 2.79% | 6.41% | 2.38% |
| Q1 2025 | 5.05% | 2.18% | 2.98% | 6.42% | 2.40% |
| Q2 2025 | 5.26% | 2.21% | 3.17% | 6.58% | 2.42% |
| Q3 2025 | 5.39% | 2.29% | 3.24% | 6.70% | 2.44% |
| Q4 2025 | 5.37% | 2.11% | 3.38% | 6.60% | 2.45% |
| Q1 2026 | 5.25% | 1.97% | 3.39% | 6.45% | 2.48% |
| Q2 2026 | 5.31% | 1.94% | 3.50% | 6.54% | 2.50% |
MNB 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 MNB 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 MNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5434) · FFIEC NIC profile (RSSD 575759)