Carson 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.
Net interest margin dropped 0.85 percentage points in Q2 2026, from 6.09% to 5.24%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Carson Community Bank is 20th of 169 on net interest margin, 5.24% as of Q2 2026. Carson Community Bank reported 5.24% on net interest margin for Q2 2026, 1.30 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.65% |
| Yield on loans | 8.45% |
| Yield on securities | 3.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | 3.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.24% |
| Yield to cost spread | 4.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $589K |
| Interest expense on deposits | $538K |
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 | 6.14% | 1.42% | 4.80% | 8.17% | 3.09% |
| Q4 2023 | 6.42% | 1.56% | 4.97% | 8.55% | 3.13% |
| Q1 2024 | 6.43% | 1.57% | 4.95% | 8.62% | 3.01% |
| Q2 2024 | 6.82% | 1.72% | 5.23% | 9.13% | 3.50% |
| Q3 2024 | 6.96% | 2.12% | 4.99% | 9.19% | 3.71% |
| Q4 2024 | 6.57% | 2.75% | 3.97% | 8.61% | 3.23% |
| Q1 2025 | 7.64% | 2.54% | 5.26% | 10.00% | 3.85% |
| Q2 2025 | 6.60% | 1.83% | 4.90% | 8.27% | 3.93% |
| Q3 2025 | 6.51% | 1.76% | 4.90% | 8.02% | 3.91% |
| Q4 2025 | 8.41% | 1.80% | 6.80% | 11.12% | 3.88% |
| Q1 2026 | 7.58% | 1.63% | 6.09% | 9.93% | 3.87% |
| Q2 2026 | 6.65% | 1.55% | 5.24% | 8.45% | 3.79% |
Carson 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 Carson 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 Carson Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2320) · FFIEC NIC profile (RSSD 539452)