Nebraska 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 standout move of Q2 2026 was in Total interest expense: 9.0% higher than in Q1 2026, at $2.7M. Nebraska Bank ranks 53rd of 138 Nebraska banks on net interest margin, in the upper half at 4.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Nebraska Bank reported 4.05% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 6.78% |
| Yield on securities | 4.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.69% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 2.53% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.5M |
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 | 6.03% | 2.26% | 3.84% | 6.53% | 2.33% |
| Q4 2023 | 6.19% | 2.57% | 3.72% | 6.69% | 2.55% |
| Q1 2024 | 6.47% | 2.72% | 3.81% | 7.00% | 2.69% |
| Q2 2024 | 6.53% | 2.87% | 3.73% | 7.11% | 3.03% |
| Q3 2024 | 6.84% | 2.89% | 4.01% | 7.45% | 3.20% |
| Q4 2024 | 6.66% | 2.68% | 4.03% | 7.28% | 3.17% |
| Q1 2025 | 6.33% | 2.49% | 3.91% | 6.95% | 3.31% |
| Q2 2025 | 6.34% | 2.38% | 4.04% | 7.04% | 3.45% |
| Q3 2025 | 6.32% | 2.39% | 4.04% | 7.13% | 3.65% |
| Q4 2025 | 6.30% | 2.29% | 4.11% | 7.04% | 3.76% |
| Q1 2026 | 6.20% | 2.22% | 4.09% | 6.82% | 3.86% |
| Q2 2026 | 6.16% | 2.25% | 4.05% | 6.78% | 4.12% |
Nebraska 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 Nebraska 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 Nebraska Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16116) · FFIEC NIC profile (RSSD 143859)