Cedar Hill National 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 Yield on securities, which fell 0.48 percentage points to 4.16%. Cedar Hill National Bank ranks 14th of 38 North Carolina banks on net interest margin, in the upper half at 3.76% (Q2 2026). Cedar Hill National Bank reported 3.76% on net interest margin for Q2 2026, 0.13 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.04% |
| Yield on loans | — |
| Yield on securities | 4.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 2.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $10K |
| Interest expense on deposits | $10K |
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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 3.07% | 0.20% | 3.04% | 4.39% |
| Q4 2023 | 3.39% | 0.00% | 3.39% | 4.79% |
| Q1 2024 | 3.74% | 0.00% | 3.74% | 4.54% |
| Q2 2024 | 4.13% | 0.00% | 4.13% | 4.96% |
| Q3 2024 | 4.75% | 0.00% | 4.75% | 5.92% |
| Q4 2024 | 4.78% | 0.20% | 4.75% | 4.48% |
| Q1 2025 | 4.68% | 1.20% | 4.51% | 4.83% |
| Q2 2025 | 4.43% | 2.00% | 4.15% | 4.60% |
| Q3 2025 | 4.64% | 2.20% | 4.32% | 4.72% |
| Q4 2025 | 4.29% | 2.00% | 4.00% | 4.43% |
| Q1 2026 | 4.23% | 2.00% | 3.94% | 4.64% |
| Q2 2026 | 4.04% | 2.00% | 3.76% | 4.16% |
Cedar Hill National 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 Cedar Hill National 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 Cedar Hill National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34478) · FFIEC NIC profile (RSSD 2651899)