Nebraska State Bank and Trust Company: 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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 4.32% to 4.42%, the largest move among the key lines here. Nebraska State Bank and Trust Company ranks 27th of 138 Nebraska banks on net interest margin, in the upper half at 4.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Nebraska State Bank and Trust Company sits 0.47 points higher, at 4.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.47% |
| Yield on securities | 3.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | 3.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.42% |
| Yield to cost spread | 3.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $992K |
| Interest expense on deposits | $866K |
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 | 5.54% | 1.48% | 4.21% | 6.27% | 2.44% |
| Q4 2023 | 5.63% | 1.58% | 4.19% | 6.35% | 2.49% |
| Q1 2024 | 5.61% | 1.71% | 4.06% | 6.35% | 2.49% |
| Q2 2024 | 5.80% | 1.93% | 4.07% | 6.46% | 2.62% |
| Q3 2024 | 5.90% | 2.14% | 3.96% | 6.57% | 2.61% |
| Q4 2024 | 5.99% | 2.32% | 3.89% | 6.69% | 2.60% |
| Q1 2025 | 5.71% | 1.90% | 4.01% | 6.34% | 2.63% |
| Q2 2025 | 5.87% | 1.83% | 4.23% | 6.50% | 2.84% |
| Q3 2025 | 5.99% | 1.89% | 4.26% | 6.60% | 2.99% |
| Q4 2025 | 5.92% | 1.73% | 4.35% | 6.58% | 3.15% |
| Q1 2026 | 5.76% | 1.59% | 4.32% | 6.34% | 3.22% |
| Q2 2026 | 5.86% | 1.61% | 4.42% | 6.47% | 3.36% |
Nebraska State Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8322) · FFIEC NIC profile (RSSD 412153)