Bank of Commerce: 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.
Compared with Q1 2026, Net interest margin rose 0.18 percentage points in Q2 2026 to 3.38%, the biggest move on this page. Within Mississippi, Bank of Commerce is 47th of 57 on net interest margin, 3.38% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bank of Commerce sits 0.33 points lower, at 3.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 6.67% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.6M |
| Total interest expense | $5.0M |
| Interest expense on deposits | $5.0M |
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 | 4.98% | 2.23% | 2.90% | 6.25% | 2.68% |
| Q4 2023 | 6.42% | 2.68% | 4.02% | 8.16% | 3.39% |
| Q1 2024 | 5.16% | 2.63% | 2.80% | 6.38% | 2.72% |
| Q2 2024 | 5.32% | 2.86% | 2.84% | 6.57% | 2.67% |
| Q3 2024 | 5.43% | 2.98% | 2.80% | 6.77% | 2.70% |
| Q4 2024 | 5.31% | 2.82% | 2.83% | 6.74% | 2.67% |
| Q1 2025 | 5.14% | 2.60% | 2.84% | 6.67% | 2.81% |
| Q2 2025 | 5.33% | 2.49% | 3.15% | 6.71% | 2.88% |
| Q3 2025 | 5.42% | 2.65% | 3.08% | 6.92% | 2.82% |
| Q4 2025 | 5.40% | 2.33% | 3.32% | 6.78% | 2.83% |
| Q1 2026 | 5.08% | 2.12% | 3.20% | 6.54% | 2.88% |
| Q2 2026 | 5.23% | 2.10% | 3.38% | 6.67% | 2.85% |
Bank of Commerce yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce, 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 Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9359) · FFIEC NIC profile (RSSD 99442)