Waypoint 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.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 4.14% against 3.98%. It was the largest change among the key lines on this page. Waypoint Bank ranks 48th of 138 Nebraska banks on net interest margin, in the upper half at 4.14% (Q2 2026). Waypoint Bank reported 4.14% on net interest margin for Q2 2026, 0.20 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | 6.75% |
| Yield on securities | 1.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 3.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.14% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
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 | 4.59% | 1.59% | 3.08% | 6.22% | 1.21% |
| Q4 2023 | 4.74% | 1.81% | 3.03% | 6.41% | 1.24% |
| Q1 2024 | 4.69% | 1.51% | 2.95% | 6.32% | 1.27% |
| Q2 2024 | 4.77% | 1.96% | 2.90% | 6.39% | 1.29% |
| Q3 2024 | 5.15% | 2.12% | 3.12% | 6.88% | 1.31% |
| Q4 2024 | 5.05% | 1.97% | 3.16% | 6.71% | 1.35% |
| Q1 2025 | 5.03% | 1.57% | 3.50% | 6.55% | 1.43% |
| Q2 2025 | 5.25% | 1.61% | 3.69% | 6.72% | 1.48% |
| Q3 2025 | 5.52% | 1.79% | 3.78% | 7.01% | 1.49% |
| Q4 2025 | 5.59% | 1.64% | 3.97% | 6.89% | 1.57% |
| Q1 2026 | 5.38% | 1.40% | 3.98% | 6.65% | 1.63% |
| Q2 2026 | 5.53% | 1.40% | 4.14% | 6.75% | 1.75% |
Waypoint 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 Waypoint 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 Waypoint Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5394) · FFIEC NIC profile (RSSD 244158)