Nebraska Bank of Commerce: 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 Net interest margin: 0.52 percentage points higher than in Q1 2026, at 3.64%. Nebraska Bank of Commerce ranks 86th of 138 Nebraska banks on net interest margin, in the lower half at 3.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Nebraska Bank of Commerce sits 0.31 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.60% |
| Yield on loans | 6.85% |
| Yield on securities | 6.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.34% |
| Cost of interest-bearing deposits | 3.57% |
| Cost of interest-bearing liabilities | 3.60% |
| Cost of borrowings | 4.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 5.50% | 2.50% | 3.04% | 5.37% | 7.12% |
| Q4 2023 | 5.83% | 2.89% | 2.95% | 5.72% | 7.88% |
| Q1 2024 | 5.88% | 3.04% | 2.74% | 5.73% | 7.82% |
| Q2 2024 | 5.91% | 3.16% | 2.68% | 5.82% | 7.50% |
| Q3 2024 | 5.87% | 3.23% | 2.53% | 6.01% | 6.05% |
| Q4 2024 | 5.94% | 3.36% | 2.71% | 5.94% | 6.17% |
| Q1 2025 | 5.89% | 3.11% | 2.99% | 6.01% | 6.52% |
| Q2 2025 | 6.10% | 3.17% | 3.11% | 6.23% | 6.49% |
| Q3 2025 | 6.13% | 3.32% | 3.16% | 6.34% | 6.44% |
| Q4 2025 | 6.29% | 3.36% | 3.30% | 6.45% | 6.49% |
| Q1 2026 | 6.02% | 3.23% | 3.12% | 6.23% | 6.55% |
| Q2 2026 | 6.60% | 3.34% | 3.64% | 6.85% | 6.58% |
Nebraska Bank of Commerce 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 of Commerce, 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 of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58724) · FFIEC NIC profile (RSSD 3614846)