Sandhills 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.
Total interest expense rose 3.7% from Q1 2026 to Q2 2026, ending at $1.3M against $1.3M. It was the largest change among the key lines on this page. Sandhills State Bank ranks 50th of 138 Nebraska banks on net interest margin, in the upper half at 4.09% (Q2 2026). Sandhills State Bank reported 4.09% on net interest margin for Q2 2026, 0.14 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.39% |
| Yield on securities | 2.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 4.89% | 1.69% | 3.29% | 5.85% | 1.49% |
| Q4 2023 | 4.98% | 1.64% | 3.45% | 5.91% | 1.49% |
| Q1 2024 | 5.18% | 1.83% | 3.42% | 5.98% | 1.65% |
| Q2 2024 | 5.29% | 1.94% | 3.44% | 6.08% | 1.95% |
| Q3 2024 | 5.46% | 2.18% | 3.35% | 6.22% | 2.09% |
| Q4 2024 | 5.53% | 1.84% | 3.80% | 6.40% | 2.11% |
| Q1 2025 | 5.35% | 1.64% | 3.81% | 6.11% | 2.27% |
| Q2 2025 | 5.48% | 1.68% | 3.90% | 6.20% | 2.39% |
| Q3 2025 | 5.59% | 1.84% | 3.85% | 6.33% | 2.40% |
| Q4 2025 | 5.42% | 1.66% | 3.86% | 6.26% | 2.57% |
| Q1 2026 | 5.39% | 1.50% | 3.98% | 6.23% | 2.73% |
| Q2 2026 | 5.54% | 1.54% | 4.09% | 6.39% | 2.78% |
Sandhills 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 Sandhills 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 Sandhills State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13892) · FFIEC NIC profile (RSSD 987259)