Riverstone 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 standout move of Q2 2026 was in Yield on securities: 1.69 percentage points lower than in Q1 2026, at 4.17%. Riverstone Bank ranks 34th of 138 Nebraska banks on net interest margin, in the upper half at 4.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Riverstone Bank sits 0.37 points higher, at 4.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | 6.54% |
| Yield on securities | 4.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.5M |
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 | 5.74% | 1.81% | 4.07% | 6.42% | 2.68% |
| Q4 2023 | 5.49% | 2.10% | 3.54% | 6.02% | 2.76% |
| Q1 2024 | 5.64% | 2.07% | 3.58% | 6.08% | 3.26% |
| Q2 2024 | 5.72% | 2.10% | 3.54% | 6.13% | 3.52% |
| Q3 2024 | 5.70% | 2.20% | 3.46% | 6.07% | 4.07% |
| Q4 2024 | 6.17% | 2.05% | 4.01% | 6.41% | 4.59% |
| Q1 2025 | 6.20% | 2.20% | 4.18% | 6.43% | 3.82% |
| Q2 2025 | 6.16% | 2.24% | 4.15% | 6.55% | 3.51% |
| Q3 2025 | 6.20% | 2.42% | 4.09% | 6.52% | 3.94% |
| Q4 2025 | 6.47% | 2.25% | 4.50% | 6.80% | 3.97% |
| Q1 2026 | 6.24% | 2.11% | 4.31% | 6.43% | 5.86% |
| Q2 2026 | 6.30% | 2.17% | 4.32% | 6.54% | 4.17% |
Riverstone 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 Riverstone 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 Riverstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10641) · FFIEC NIC profile (RSSD 388557)