CCB 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.
Total interest expense fell 4.0% from Q1 2026 to Q2 2026, ending at $2.3M against $2.4M. It was the largest change among the key lines on this page. Within Alabama, CCB Community Bank is 17th of 93 on net interest margin, 4.69% as of Q2 2026. CCB Community Bank reported 4.69% on net interest margin for Q2 2026, 0.75 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 7.00% |
| Yield on securities | 2.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 2.25% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.69% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
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 | 5.77% | 1.53% | 4.36% | 6.59% | 1.93% |
| Q4 2023 | 5.95% | 1.74% | 4.34% | 6.72% | 1.90% |
| Q1 2024 | 6.07% | 1.99% | 4.22% | 6.90% | 1.89% |
| Q2 2024 | 6.12% | 2.19% | 4.10% | 6.91% | 1.90% |
| Q3 2024 | 6.20% | 2.14% | 4.20% | 7.11% | 1.89% |
| Q4 2024 | 6.20% | 2.00% | 4.33% | 7.07% | 1.93% |
| Q1 2025 | 6.01% | 1.88% | 4.27% | 6.92% | 1.95% |
| Q2 2025 | 6.16% | 1.74% | 4.54% | 7.03% | 1.95% |
| Q3 2025 | 6.18% | 1.71% | 4.58% | 7.14% | 2.15% |
| Q4 2025 | 6.18% | 1.66% | 4.66% | 7.08% | 2.24% |
| Q1 2026 | 6.02% | 1.61% | 4.53% | 6.94% | 2.23% |
| Q2 2026 | 6.12% | 1.56% | 4.69% | 7.00% | 2.28% |
CCB 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 CCB 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 CCB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16595) · FFIEC NIC profile (RSSD 655839)