CBBC 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.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.1% between Q1 2026 and Q2 2026, to $1.7M. Within Tennessee, CBBC Bank is 74th of 109 on net interest margin, 3.64% as of Q2 2026. CBBC Bank reported 3.64% on net interest margin for Q2 2026, 0.30 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 6.23% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 1.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.6M |
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 | 4.40% | 0.95% | 3.54% | 5.66% | 2.49% |
| Q4 2023 | 4.56% | 1.08% | 3.59% | 5.86% | 2.57% |
| Q1 2024 | 4.56% | 1.21% | 3.46% | 5.90% | 2.60% |
| Q2 2024 | 4.57% | 1.35% | 3.35% | 6.00% | 2.52% |
| Q3 2024 | 4.68% | 1.54% | 3.29% | 6.03% | 2.63% |
| Q4 2024 | 4.69% | 1.56% | 3.29% | 6.07% | 2.69% |
| Q1 2025 | 4.63% | 1.42% | 3.35% | 6.03% | 2.69% |
| Q2 2025 | 4.79% | 1.42% | 3.52% | 6.30% | 2.69% |
| Q3 2025 | 4.83% | 1.42% | 3.53% | 6.21% | 2.81% |
| Q4 2025 | 4.71% | 1.39% | 3.45% | 6.14% | 2.89% |
| Q1 2026 | 4.74% | 1.32% | 3.54% | 6.13% | 2.85% |
| Q2 2026 | 4.82% | 1.32% | 3.64% | 6.23% | 2.80% |
CBBC 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 CBBC 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 CBBC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21227) · FFIEC NIC profile (RSSD 218131)