Scribner 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 Net interest margin: 0.54 percentage points lower than in Q1 2026, at 4.87%. On net interest margin, Scribner Bank ranks 9th highest among the 138 banks headquartered in Nebraska, at 4.87% (Q2 2026). Scribner Bank reported 4.87% on net interest margin for Q2 2026, 1.00 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 7.27% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.87% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $264K |
| Interest expense on deposits | $264K |
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 | 5.76% | 1.32% | 4.65% | 7.71% | 2.34% |
| Q4 2023 | 6.21% | 1.51% | 4.81% | 7.99% | 2.78% |
| Q1 2024 | 6.18% | 1.59% | 4.79% | 7.83% | 2.49% |
| Q2 2024 | 5.96% | 1.70% | 4.48% | 7.71% | 2.67% |
| Q3 2024 | 6.18% | 1.77% | 4.66% | 7.83% | 2.90% |
| Q4 2024 | 6.08% | 1.63% | 4.67% | 7.53% | 3.00% |
| Q1 2025 | 6.04% | 1.56% | 4.67% | 7.08% | 3.58% |
| Q2 2025 | 6.51% | 1.62% | 5.10% | 7.59% | 4.06% |
| Q3 2025 | 6.36% | 1.63% | 4.92% | 7.43% | 3.89% |
| Q4 2025 | 6.11% | 1.56% | 4.72% | 7.23% | 3.99% |
| Q1 2026 | 6.68% | 1.42% | 5.41% | 8.32% | 3.93% |
| Q2 2026 | 6.13% | 1.46% | 4.87% | 7.27% | 3.78% |
Scribner 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 Scribner 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 Scribner Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14026) · FFIEC NIC profile (RSSD 711753)