Pinnacle 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.
Total interest expense rose 7.1% from Q1 2026 to Q2 2026, ending at $39.9M against $37.2M. It was the largest change among the key lines on this page. Pinnacle Bank ranks 110th of 138 Nebraska banks on net interest margin, in the lower half at 3.32% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Pinnacle Bank sits 0.39 points lower, at 3.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.07% |
| Yield on loans | 6.04% |
| Yield on securities | 1.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | 2.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.32% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $102.0M |
| Total interest expense | $39.9M |
| Interest expense on deposits | $39.3M |
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 | 4.26% | 2.24% | 2.18% | 5.35% | 1.25% |
| Q4 2023 | 4.44% | 2.62% | 1.99% | 5.45% | 1.25% |
| Q1 2024 | 4.48% | 2.65% | 2.01% | 5.53% | 1.24% |
| Q2 2024 | 4.60% | 2.67% | 2.11% | 5.62% | 1.26% |
| Q3 2024 | 4.80% | 2.72% | 2.27% | 5.91% | 1.27% |
| Q4 2024 | 4.71% | 2.44% | 2.44% | 5.81% | 1.24% |
| Q1 2025 | 4.66% | 2.15% | 2.65% | 5.72% | 1.21% |
| Q2 2025 | 4.86% | 2.16% | 2.86% | 5.92% | 1.20% |
| Q3 2025 | 5.05% | 2.13% | 3.09% | 6.08% | 1.21% |
| Q4 2025 | 5.07% | 1.99% | 3.23% | 6.06% | 1.26% |
| Q1 2026 | 4.99% | 1.85% | 3.27% | 5.92% | 1.25% |
| Q2 2026 | 5.07% | 1.89% | 3.32% | 6.04% | 1.27% |
Pinnacle 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 Pinnacle 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 Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10634) · FFIEC NIC profile (RSSD 913856)