Union Bank and Trust Company: 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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 3.48% to 3.58%, the largest move among the key lines here. Union Bank and Trust Company ranks 93rd of 138 Nebraska banks on net interest margin, in the lower half at 3.58% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Union Bank and Trust Company sits 0.13 points lower, at 3.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.89% |
| Yield on loans | 6.10% |
| Yield on securities | 5.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.61% |
| Cost of interest-bearing deposits | 3.00% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | 2.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $106.7M |
| Total interest expense | $52.0M |
| Interest expense on deposits | $49.7M |
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 | 5.81% | 3.22% | 3.03% | 5.66% | 6.23% |
| Q4 2023 | 5.94% | 3.43% | 2.87% | 5.80% | 6.34% |
| Q1 2024 | 6.03% | 3.29% | 3.12% | 5.90% | 6.49% |
| Q2 2024 | 6.16% | 3.40% | 3.13% | 6.02% | 6.63% |
| Q3 2024 | 6.28% | 3.35% | 3.37% | 6.17% | 6.71% |
| Q4 2024 | 6.09% | 3.07% | 3.32% | 6.08% | 6.28% |
| Q1 2025 | 5.88% | 2.79% | 3.39% | 5.99% | 5.72% |
| Q2 2025 | 6.05% | 2.82% | 3.50% | 6.12% | 5.84% |
| Q3 2025 | 6.06% | 2.84% | 3.60% | 6.23% | 5.73% |
| Q4 2025 | 5.99% | 2.70% | 3.57% | 6.16% | 5.62% |
| Q1 2026 | 5.74% | 2.57% | 3.48% | 5.99% | 5.17% |
| Q2 2026 | 5.89% | 2.61% | 3.58% | 6.10% | 5.13% |
Union Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank and Trust Company, 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 Union Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13421) · FFIEC NIC profile (RSSD 450856)