Central 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 rose 3.3% from Q1 2026 to Q2 2026, ending at $7.9M against $7.7M. It was the largest change among the key lines on this page. On net interest margin, Central Bank is 5th from the bottom among 78 Arkansas banks, 3.05% (Q2 2026). Central Bank reported 3.05% on net interest margin for Q2 2026, 0.89 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.42% |
| Yield on loans | 6.81% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.80% |
| Cost of interest-bearing deposits | 4.11% |
| Cost of interest-bearing liabilities | 4.07% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.0M |
| Total interest expense | $7.9M |
| Interest expense on deposits | $6.8M |
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 | 6.12% | 2.98% | 3.52% | 6.57% | 3.54% |
| Q4 2023 | 6.44% | 3.25% | 3.57% | 6.82% | 4.30% |
| Q1 2024 | 6.63% | 3.51% | 3.43% | 7.05% | 4.08% |
| Q2 2024 | 6.92% | 3.66% | 3.65% | 7.33% | 4.24% |
| Q3 2024 | 7.16% | 3.85% | 3.72% | 7.57% | 4.36% |
| Q4 2024 | 7.07% | 3.82% | 3.63% | 7.57% | 3.82% |
| Q1 2025 | 6.94% | 3.74% | 3.64% | 7.39% | 3.78% |
| Q2 2025 | 7.08% | 3.97% | 3.62% | 7.52% | 3.87% |
| Q3 2025 | 7.17% | 4.04% | 3.63% | 7.65% | 4.07% |
| Q4 2025 | 6.24% | 4.07% | 2.68% | 6.61% | 3.67% |
| Q1 2026 | 6.51% | 3.82% | 3.17% | 6.95% | 3.83% |
| Q2 2026 | 6.42% | 3.80% | 3.05% | 6.81% | 3.66% |
Central 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 Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1756) · FFIEC NIC profile (RSSD 3488579)