Benchmark Community 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 4.68% to 4.79%, the largest move among the key lines here. Among 56 Virginia banks, Benchmark Community Bank sits 4th from the top on net interest margin, 4.79% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Benchmark Community Bank sits 1.08 points higher, at 4.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 6.31% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.23% |
| Cost of interest-bearing deposits | 1.61% |
| Cost of interest-bearing liabilities | 1.61% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.79% |
| Yield to cost spread | 4.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.1M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.9M |
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 | 5.18% | 1.04% | 4.26% | 5.54% | 2.87% |
| Q4 2023 | 5.33% | 1.24% | 4.14% | 5.68% | 2.97% |
| Q1 2024 | 5.42% | 1.27% | 4.20% | 5.74% | 3.18% |
| Q2 2024 | 5.59% | 1.34% | 4.31% | 5.88% | 3.33% |
| Q3 2024 | 5.77% | 1.48% | 4.36% | 6.08% | 3.42% |
| Q4 2024 | 5.79% | 1.42% | 4.44% | 6.14% | 3.29% |
| Q1 2025 | 5.80% | 1.29% | 4.54% | 6.18% | 3.27% |
| Q2 2025 | 5.94% | 1.38% | 4.63% | 6.29% | 3.43% |
| Q3 2025 | 6.02% | 1.44% | 4.66% | 6.39% | 3.41% |
| Q4 2025 | 5.98% | 1.31% | 4.74% | 6.33% | 3.31% |
| Q1 2026 | 5.84% | 1.23% | 4.68% | 6.21% | 3.32% |
| Q2 2026 | 5.95% | 1.23% | 4.79% | 6.31% | 3.52% |
Benchmark Community 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 Benchmark Community 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 Benchmark Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20484) · FFIEC NIC profile (RSSD 94522)