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.
The largest change between Q1 2026 and Q2 2026 was in Cost of funds, which fell 0.64 percentage points to 1.25%. Within Nebraska, Nebraska State Bank is 18th of 138 on net interest margin, 4.51% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Nebraska State Bank sits 0.62 points higher, at 4.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 3.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $312K |
| Total interest expense | $96K |
| Interest expense on deposits | $96K |
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 |
|---|---|---|---|
| Q3 2023 | 5.86% | 1.59% | 4.47% |
| Q4 2023 | 6.12% | 1.74% | 4.59% |
| Q1 2024 | 6.12% | 1.83% | 4.48% |
| Q2 2024 | 6.48% | 1.87% | 4.85% |
| Q3 2024 | 6.66% | 1.94% | 4.97% |
| Q4 2024 | 6.42% | 1.96% | 4.74% |
| Q1 2025 | 6.15% | 1.82% | 4.55% |
| Q2 2025 | 6.18% | 1.88% | 4.53% |
| Q3 2025 | 5.42% | 1.94% | 3.72% |
| Q4 2025 | 6.13% | 2.00% | 4.43% |
| Q1 2026 | 5.99% | 1.89% | 4.35% |
| Q2 2026 | 6.04% | 1.25% | 4.51% |
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 13696) · FFIEC NIC profile (RSSD 70955)