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 securities climbed 1.82 percentage points in Q2 2026, from 3.16% to 4.98%. It was the largest change from Q1 2026 among the key lines here. Among 138 Nebraska banks, Nebraska State Bank sits 2nd from the top on net interest margin, 5.52% as of Q2 2026. Nebraska State Bank reported 5.52% on net interest margin for Q2 2026, 1.64 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.56% |
| Yield on loans | 7.66% |
| Yield on securities | 4.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.52% |
| Yield to cost spread | 4.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $324K |
| Interest expense on deposits | $324K |
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 | 7.59% | 1.86% | 6.00% | 7.88% | 1.75% |
| Q4 2023 | 7.29% | 2.08% | 5.47% | 7.73% | 2.02% |
| Q1 2024 | 7.84% | 2.13% | 5.90% | 7.93% | 1.40% |
| Q2 2024 | 7.98% | 2.21% | 6.02% | 8.00% | 2.38% |
| Q3 2024 | 7.54% | 2.42% | 5.52% | 7.83% | 1.79% |
| Q4 2024 | 7.46% | 2.43% | 5.39% | 7.86% | 3.94% |
| Q1 2025 | 7.15% | 2.25% | 5.18% | 7.54% | 2.45% |
| Q2 2025 | 7.63% | 2.46% | 5.53% | 7.87% | 3.58% |
| Q3 2025 | 6.61% | 2.52% | 4.48% | 6.78% | 2.45% |
| Q4 2025 | 7.21% | 2.22% | 5.27% | 7.70% | 4.21% |
| Q1 2026 | 7.00% | 2.12% | 5.01% | 7.46% | 3.16% |
| Q2 2026 | 7.56% | 2.18% | 5.52% | 7.66% | 4.98% |
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 9819) · FFIEC NIC profile (RSSD 911759)