Centera 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.
Compared with Q1 2026, Net interest margin rose 0.30 percentage points in Q2 2026 to 3.59%, the biggest move on this page. Within Kansas, Centera Bank is 138th of 182 on net interest margin, 3.59% as of Q2 2026. Centera Bank reported 3.59% on net interest margin for Q2 2026, 0.35 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 6.70% |
| Yield on securities | 2.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.66% |
| Cost of interest-bearing liabilities | 1.66% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $928K |
| Interest expense on deposits | $928K |
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 | 3.90% | 1.36% | 2.61% | 6.94% | 1.54% |
| Q4 2023 | 4.01% | 1.47% | 2.62% | 7.04% | 1.53% |
| Q1 2024 | 4.14% | 1.53% | 2.67% | 6.91% | 1.58% |
| Q2 2024 | 4.20% | 1.62% | 2.66% | 7.09% | 1.55% |
| Q3 2024 | 4.38% | 1.62% | 2.85% | 7.22% | 1.57% |
| Q4 2024 | 4.31% | 1.54% | 2.86% | 7.01% | 1.61% |
| Q1 2025 | 4.25% | 1.42% | 2.90% | 6.78% | 1.79% |
| Q2 2025 | 4.53% | 1.41% | 3.20% | 7.18% | 1.91% |
| Q3 2025 | 4.59% | 1.46% | 3.22% | 7.05% | 2.04% |
| Q4 2025 | 4.57% | 1.41% | 3.26% | 6.90% | 2.27% |
| Q1 2026 | 4.47% | 1.25% | 3.29% | 6.60% | 2.49% |
| Q2 2026 | 4.77% | 1.25% | 3.59% | 6.70% | 2.65% |
Centera 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 Centera 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 Centera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16436) · FFIEC NIC profile (RSSD 51459)