CBW 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.36 percentage points to 3.89%. Within Kansas, CBW Bank is 97th of 182 on net interest margin, 3.89% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin; CBW Bank reported 3.89% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.91% |
| Yield on loans | 5.68% |
| Yield on securities | 4.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.03% |
| Cost of interest-bearing deposits | 0.42% |
| Cost of interest-bearing liabilities | 0.42% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $145K |
| Total interest expense | $3K |
| Interest expense on deposits | $3K |
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 | 7.98% | 0.02% | 7.96% | 10.62% | 2.57% |
| Q4 2023 | 4.03% | 0.02% | 4.02% | 2.04% | 3.26% |
| Q1 2024 | 3.96% | 0.02% | 3.94% | 2.64% | 2.90% |
| Q2 2024 | 3.91% | 0.03% | 3.89% | 2.61% | 3.33% |
| Q3 2024 | 4.44% | 0.03% | 4.42% | 2.66% | 3.30% |
| Q4 2024 | 4.23% | 0.04% | 4.21% | 3.03% | 3.72% |
| Q1 2025 | 3.86% | 0.03% | 3.84% | 3.42% | 4.30% |
| Q2 2025 | 3.75% | 0.04% | 3.73% | 3.46% | 5.77% |
| Q3 2025 | 4.20% | 0.02% | 4.19% | 5.79% | 4.16% |
| Q4 2025 | 4.36% | 0.02% | 4.35% | 7.31% | 4.27% |
| Q1 2026 | 3.54% | 0.02% | 3.53% | 6.10% | 3.98% |
| Q2 2026 | 3.91% | 0.03% | 3.89% | 5.68% | 4.57% |
CBW 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 CBW 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 CBW Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13959) · FFIEC NIC profile (RSSD 71859)