Nebraska State 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.
Yield on loans rose 0.55 percentage points from Q1 2026 to Q2 2026, ending at 6.41% against 5.86%. It was the largest change among the key lines on this page. Nebraska State Bank ranks 82nd of 138 Nebraska banks on net interest margin, in the lower half at 3.71% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Nebraska State Bank sits 0.17 points lower, at 3.71% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.90% |
| Yield on loans | 6.41% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.80% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $165K |
| Total interest expense | $72K |
| Interest expense on deposits | $72K |
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 |
|---|---|---|---|---|
| Q3 2023 | 4.74% | 0.76% | 4.06% | 6.49% |
| Q4 2023 | 4.97% | 0.80% | 4.27% | 6.61% |
| Q1 2024 | 5.10% | 0.88% | 4.33% | 6.60% |
| Q2 2024 | 5.22% | 0.93% | 4.41% | 6.73% |
| Q3 2024 | 5.41% | 0.96% | 4.58% | 6.84% |
| Q4 2024 | 5.31% | 1.03% | 4.44% | 6.78% |
| Q1 2025 | 5.08% | 1.02% | 4.22% | 6.65% |
| Q2 2025 | 5.07% | 1.11% | 4.12% | 6.72% |
| Q3 2025 | 3.31% | 1.18% | 2.29% | 2.01% |
| Q4 2025 | 4.62% | 1.24% | 3.54% | 5.81% |
| Q1 2026 | 4.59% | 1.15% | 3.57% | 5.86% |
| Q2 2026 | 4.90% | 1.33% | 3.71% | 6.41% |
Nebraska State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16516) · FFIEC NIC profile (RSSD 514057)