Nevada 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.
Net interest margin rose 0.15 percentage points from Q1 2026 to Q2 2026, ending at 3.94% against 3.79%. It was the largest change among the key lines on this page. Within Nevada, Nevada Bank and Trust Company is 8th of 14 on net interest margin, 3.94% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Nevada Bank and Trust Company reported 3.94% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.48% |
| Yield on loans | 6.59% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.57% |
| Cost of interest-bearing deposits | 1.07% |
| Cost of interest-bearing liabilities | 1.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $263K |
| Interest expense on deposits | $263K |
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 | 4.00% | 0.21% | 3.80% | 5.78% | 2.77% |
| Q4 2023 | 3.97% | 0.28% | 3.71% | 5.71% | 2.78% |
| Q1 2024 | 4.05% | 0.86% | 3.23% | 5.80% | 2.73% |
| Q2 2024 | 4.24% | 0.96% | 3.34% | 5.99% | 2.72% |
| Q3 2024 | 4.37% | 0.99% | 3.45% | 6.11% | 2.72% |
| Q4 2024 | 4.31% | 0.84% | 3.56% | 6.15% | 2.71% |
| Q1 2025 | 4.30% | 0.66% | 3.68% | 6.07% | 2.72% |
| Q2 2025 | 4.36% | 0.71% | 3.70% | 6.17% | 2.72% |
| Q3 2025 | 4.43% | 0.69% | 3.79% | 6.32% | 2.83% |
| Q4 2025 | 4.46% | 0.63% | 3.88% | 6.55% | 2.93% |
| Q1 2026 | 4.35% | 0.61% | 3.79% | 6.32% | 3.01% |
| Q2 2026 | 4.48% | 0.57% | 3.94% | 6.59% | 3.13% |
Nevada 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 Nevada 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 Nevada Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22669) · FFIEC NIC profile (RSSD 400767)