United Republic 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 Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.17 percentage points to 2.51%. United Republic Bank has the 4th lowest net interest margin of the 138 banks headquartered in Nebraska, at 2.51% as of Q2 2026. United Republic Bank reported 2.51% on net interest margin for Q2 2026, 1.44 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.32% |
| Yield on securities | 2.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.37% |
| Cost of interest-bearing deposits | 3.70% |
| Cost of interest-bearing liabilities | 3.68% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.51% |
| Yield to cost spread | 2.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 5.76% | 2.53% | 3.45% | 6.21% | 2.50% |
| Q4 2023 | 6.19% | 3.00% | 3.43% | 6.60% | 2.64% |
| Q1 2024 | 6.37% | 3.51% | 3.09% | 6.78% | 3.10% |
| Q2 2024 | 6.20% | 3.64% | 2.83% | 6.57% | 3.02% |
| Q3 2024 | 6.39% | 3.68% | 2.95% | 6.86% | 3.35% |
| Q4 2024 | 6.27% | 3.57% | 2.90% | 6.67% | 3.42% |
| Q1 2025 | 6.18% | 4.09% | 2.17% | 6.70% | 3.16% |
| Q2 2025 | 6.11% | 3.68% | 2.45% | 6.54% | 3.22% |
| Q3 2025 | 6.65% | 3.66% | 3.04% | 7.20% | 3.12% |
| Q4 2025 | 6.22% | 3.46% | 2.78% | 6.63% | 3.08% |
| Q1 2026 | 6.03% | 3.35% | 2.68% | 6.49% | 3.01% |
| Q2 2026 | 5.90% | 3.37% | 2.51% | 6.32% | 2.95% |
United Republic 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 United Republic 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 United Republic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58359) · FFIEC NIC profile (RSSD 3387140)