Siouxland 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.15 percentage points between Q1 2026 and Q2 2026, to 7.04%. Siouxland Bank ranks 91st of 138 Nebraska banks on net interest margin, in the lower half at 3.60% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Siouxland Bank sits 0.29 points lower, at 3.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | 7.04% |
| Yield on securities | 4.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $502K |
| Total interest expense | $320K |
| Interest expense on deposits | $320K |
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 | 4.82% | 1.51% | 3.33% | 6.17% | 3.13% |
| Q4 2023 | 4.97% | 1.61% | 3.40% | 6.27% | 3.51% |
| Q1 2024 | 5.02% | 1.79% | 3.31% | 6.36% | 3.51% |
| Q2 2024 | 5.19% | 1.81% | 3.44% | 6.42% | 3.92% |
| Q3 2024 | 5.27% | 1.89% | 3.44% | 6.61% | 3.95% |
| Q4 2024 | 4.94% | 1.81% | 3.34% | 6.68% | 3.49% |
| Q1 2025 | 5.17% | 1.73% | 3.51% | 6.66% | 4.08% |
| Q2 2025 | 5.31% | 1.78% | 3.63% | 6.83% | 4.23% |
| Q3 2025 | 5.47% | 1.79% | 3.76% | 6.96% | 4.40% |
| Q4 2025 | 5.37% | 1.78% | 3.72% | 6.99% | 4.46% |
| Q1 2026 | 5.11% | 1.66% | 3.55% | 6.89% | 4.25% |
| Q2 2026 | 5.13% | 1.65% | 3.60% | 7.04% | 4.14% |
Siouxland 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 Siouxland 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 Siouxland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23270) · FFIEC NIC profile (RSSD 472951)