South Central 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.
The largest change between Q2 2026 and Q3 2026 was in Yield on securities, which fell 0.36 percentage points to 5.14%. Among 138 Nebraska banks, South Central State Bank sits 10th from the top on net interest margin, 4.78% as of Q3 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. South Central State Bank sits 0.83 points higher, at 4.78% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.45% |
| Yield on loans | 6.93% |
| Yield on securities | 5.14% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.78% |
| Yield to cost spread | 4.13% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $769K |
| Interest expense on deposits | $649K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.96% | 2.08% | 4.08% | 5.68% | 6.49% |
| Q1 2024 | 5.91% | 1.95% | 4.14% | 5.71% | 6.35% |
| Q2 2024 | 6.08% | 2.22% | 4.05% | 5.90% | 6.47% |
| Q3 2024 | 6.35% | 2.67% | 3.91% | 6.25% | 6.51% |
| Q4 2024 | 6.29% | 2.46% | 4.06% | 6.32% | 6.20% |
| Q1 2025 | 6.13% | 2.07% | 4.28% | 6.39% | 5.53% |
| Q2 2025 | 6.43% | 1.97% | 4.71% | 6.74% | 5.78% |
| Q3 2025 | 6.63% | 2.04% | 4.86% | 7.08% | 5.55% |
| Q4 2025 | 6.53% | 2.04% | 4.76% | 6.98% | 5.42% |
| Q1 2026 | 6.36% | 1.78% | 4.78% | 6.87% | 5.02% |
| Q2 2026 | 6.45% | 1.72% | 4.92% | 6.88% | 5.50% |
| Q3 2026 | 6.45% | 1.90% | 4.78% | 6.93% | 5.14% |
South Central 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 South Central 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 South Central State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16707) · FFIEC NIC profile (RSSD 74056)