CB&S Bank, Inc.: 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, Total interest expense rose 4.2% in Q2 2026 to $13.7M, the biggest move on this page. Within Alabama, CB&S Bank, Inc. is 72nd of 93 on net interest margin, 3.36% as of Q2 2026, below the middle of the field. CB&S Bank, Inc. reported 3.36% on net interest margin for Q2 2026, 0.35 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 6.88% |
| Yield on securities | 2.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 3.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.8M |
| Total interest expense | $13.7M |
| Interest expense on deposits | $11.7M |
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 | 4.63% | 1.70% | 3.02% | 6.29% | 2.87% |
| Q4 2023 | 4.80% | 1.86% | 3.03% | 6.57% | 2.89% |
| Q1 2024 | 4.81% | 1.96% | 2.96% | 6.62% | 2.77% |
| Q2 2024 | 4.81% | 2.02% | 2.90% | 6.65% | 2.76% |
| Q3 2024 | 5.04% | 2.09% | 3.07% | 6.98% | 2.76% |
| Q4 2024 | 5.43% | 2.03% | 3.52% | 7.57% | 2.76% |
| Q1 2025 | 4.94% | 2.10% | 3.11% | 6.71% | 2.77% |
| Q2 2025 | 4.99% | 2.03% | 3.11% | 6.77% | 2.75% |
| Q3 2025 | 5.20% | 2.11% | 3.25% | 7.08% | 2.74% |
| Q4 2025 | 5.27% | 2.13% | 3.31% | 7.22% | 2.74% |
| Q1 2026 | 5.06% | 1.94% | 3.24% | 6.84% | 2.75% |
| Q2 2026 | 5.19% | 1.97% | 3.36% | 6.88% | 2.76% |
CB&S Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock CB&S Bank, Inc., 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 CB&S Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15310) · FFIEC NIC profile (RSSD 594433)