Washington 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.
Total interest expense climbed 9.5% in Q2 2026, from $2.1M to $2.3M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Washington County Bank is 53rd of 138 on net interest margin, 4.05% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Washington County Bank reported 4.05% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 6.22% |
| Yield on securities | 2.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 0.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 | 4.53% | 1.32% | 3.38% | 5.30% | 1.82% |
| Q4 2023 | 4.82% | 1.60% | 3.40% | 5.61% | 1.84% |
| Q1 2024 | 4.95% | 1.72% | 3.46% | 5.76% | 1.81% |
| Q2 2024 | 5.22% | 1.93% | 3.59% | 6.00% | 1.82% |
| Q3 2024 | 5.49% | 1.95% | 3.82% | 6.25% | 1.88% |
| Q4 2024 | 5.51% | 1.94% | 3.85% | 6.25% | 1.87% |
| Q1 2025 | 5.47% | 1.79% | 3.94% | 6.17% | 1.90% |
| Q2 2025 | 5.54% | 1.72% | 4.12% | 6.29% | 1.95% |
| Q3 2025 | 5.64% | 1.61% | 4.18% | 6.33% | 2.01% |
| Q4 2025 | 5.67% | 1.61% | 4.21% | 6.31% | 2.02% |
| Q1 2026 | 5.70% | 1.48% | 4.37% | 6.44% | 2.04% |
| Q2 2026 | 5.47% | 1.55% | 4.05% | 6.22% | 2.17% |
Washington 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 Washington 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 Washington County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12241) · FFIEC NIC profile (RSSD 1000052)