Thayer County 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 to cost spread edged down 0.16 percentage points between Q1 2026 and Q2 2026, to 3.05%. Within Nebraska, Thayer County Bank is 80th of 138 on net interest margin, 3.73% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin. Thayer County Bank sits 0.15 points lower, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.80% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $830K |
| Total interest expense | $376K |
| Interest expense on deposits | $271K |
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 | 5.20% | 2.54% | 3.24% | 6.39% | 2.55% |
| Q4 2023 | 5.23% | 2.74% | 3.12% | 6.42% | 2.77% |
| Q1 2024 | 5.30% | 2.78% | 3.15% | 6.47% | 2.84% |
| Q2 2024 | 5.46% | 2.83% | 3.29% | 6.67% | 2.96% |
| Q3 2024 | 5.63% | 2.83% | 3.44% | 6.78% | 3.05% |
| Q4 2024 | 5.62% | 2.72% | 3.52% | 6.85% | 3.02% |
| Q1 2025 | 5.39% | 2.64% | 3.35% | 6.57% | 3.16% |
| Q2 2025 | 5.46% | 2.57% | 3.48% | 6.72% | 3.42% |
| Q3 2025 | 5.66% | 2.55% | 3.68% | 6.93% | 3.47% |
| Q4 2025 | 5.67% | 2.47% | 3.75% | 6.94% | 3.46% |
| Q1 2026 | 5.56% | 2.34% | 3.80% | 6.81% | 3.55% |
| Q2 2026 | 5.46% | 2.37% | 3.73% | 6.80% | 3.60% |
Thayer County 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 Thayer County 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 Thayer County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11475) · FFIEC NIC profile (RSSD 157155)