Sidney Federal Savings and Loan Association: 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 largest change between Q1 2026 and Q2 2026 was in Yield on loans, which fell 0.48 percentage points to 5.56%. Within Nebraska, Sidney Federal Savings and Loan Association is 100th of 138 on net interest margin, 3.51% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Sidney Federal Savings and Loan Association sits 0.38 points lower, at 3.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.42% |
| Yield on loans | 5.56% |
| Yield on securities | 4.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 1.12% |
| Cost of interest-bearing liabilities | 1.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $181K |
| Total interest expense | $120K |
| Interest expense on deposits | $120K |
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 | 4.46% | 1.36% | 3.13% | 4.16% | 3.00% |
| Q4 2023 | 4.66% | 1.57% | 3.15% | 4.44% | 3.46% |
| Q1 2024 | 4.59% | 1.78% | 2.82% | 4.38% | 3.15% |
| Q2 2024 | 4.75% | 1.96% | 2.74% | 4.32% | 4.27% |
| Q3 2024 | 4.75% | 2.09% | 2.55% | 4.46% | 4.30% |
| Q4 2024 | 4.71% | 2.26% | 2.18% | 4.67% | 5.62% |
| Q1 2025 | 4.48% | 1.80% | 2.42% | 4.48% | 4.96% |
| Q2 2025 | 5.08% | 1.76% | 3.14% | 4.97% | 6.33% |
| Q3 2025 | 4.78% | 1.35% | 3.62% | 6.75% | 4.53% |
| Q4 2025 | 4.99% | 1.22% | 3.91% | 6.95% | 4.63% |
| Q1 2026 | 4.47% | 1.11% | 3.58% | 6.04% | 4.67% |
| Q2 2026 | 4.42% | 1.09% | 3.51% | 5.56% | 4.57% |
Sidney Federal Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sidney Federal Savings and Loan Association, 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 Sidney Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29379) · FFIEC NIC profile (RSSD 304575)