Town & Country 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 Cost of borrowings, which fell 0.33 percentage points to 3.99%. Town & Country Bank ranks 29th of 138 Nebraska banks on net interest margin, in the upper half at 4.39% (Q3 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Town & Country Bank sits 0.44 points higher, at 4.39% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 7.09% |
| Yield on securities | 3.17% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $876K |
| Interest expense on deposits | $741K |
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 | 5.65% | 1.72% | 3.99% | 7.15% | 2.72% |
| Q1 2024 | 5.73% | 2.12% | 3.82% | 7.26% | 2.81% |
| Q2 2024 | 5.93% | 2.16% | 3.98% | 7.43% | 2.89% |
| Q3 2024 | 6.06% | 2.35% | 3.96% | 7.58% | 2.85% |
| Q4 2024 | 5.97% | 2.45% | 3.78% | 7.40% | 2.88% |
| Q1 2025 | 5.81% | 2.09% | 3.93% | 7.18% | 2.88% |
| Q2 2025 | 5.85% | 1.88% | 4.19% | 7.31% | 2.92% |
| Q3 2025 | 5.94% | 1.99% | 4.17% | 7.39% | 3.01% |
| Q4 2025 | 5.90% | 1.91% | 4.20% | 7.23% | 3.08% |
| Q1 2026 | 5.71% | 1.77% | 4.14% | 6.90% | 3.13% |
| Q2 2026 | 5.75% | 1.62% | 4.32% | 6.99% | 3.13% |
| Q3 2026 | 5.92% | 1.79% | 4.39% | 7.09% | 3.17% |
Town & Country 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 Town & Country 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 Town & Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1434) · FFIEC NIC profile (RSSD 738255)