State Nebraska Bank &TRUST: 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 Total interest expense, which fell 3.5% to $1.2M. State Nebraska Bank &TRUST ranks 90th of 138 Nebraska banks on net interest margin, in the lower half at 3.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. State Nebraska Bank &TRUST sits 0.34 points lower, at 3.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 6.84% |
| Yield on securities | 2.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.0M |
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 | 4.84% | 2.61% | 2.41% | 6.97% | 2.03% |
| Q4 2023 | 5.25% | 2.77% | 2.50% | 7.01% | 2.55% |
| Q1 2024 | 5.06% | 2.86% | 2.30% | 6.95% | 2.23% |
| Q2 2024 | 5.31% | 3.05% | 2.48% | 7.17% | 2.35% |
| Q3 2024 | 5.50% | 2.94% | 2.64% | 7.23% | 2.37% |
| Q4 2024 | 5.47% | 2.87% | 2.69% | 7.08% | 2.41% |
| Q1 2025 | 5.09% | 2.67% | 2.54% | 6.62% | 2.28% |
| Q2 2025 | 5.45% | 2.65% | 2.94% | 6.98% | 2.38% |
| Q3 2025 | 5.58% | 2.61% | 3.05% | 7.05% | 2.44% |
| Q4 2025 | 5.52% | 2.48% | 3.16% | 6.89% | 2.49% |
| Q1 2026 | 5.64% | 2.21% | 3.52% | 6.85% | 2.67% |
| Q2 2026 | 5.68% | 2.17% | 3.61% | 6.84% | 2.73% |
State Nebraska Bank &TRUST yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Nebraska Bank &TRUST, 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 State Nebraska Bank &TRUST profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5490) · FFIEC NIC profile (RSSD 581358)