Central Bank and Trust: 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.
Cost of borrowings climbed 1.37 percentage points in Q2 2026, from 2.52% to 3.88%. It was the largest change from Q1 2026 among the key lines here. Within Wyoming, Central Bank and Trust is 5th of 24 on net interest margin, 4.65% as of Q2 2026, above the middle of the field. Central Bank and Trust reported 4.65% on net interest margin for Q2 2026, 0.70 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.30% |
| Yield on loans | 6.97% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.70% |
| Cost of interest-bearing deposits | 0.99% |
| Cost of interest-bearing liabilities | 0.99% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 4.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $328K |
| Interest expense on deposits | $327K |
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 | 3.65% | 0.67% | 3.02% | 5.95% | 0.74% |
| Q4 2023 | 3.99% | 0.51% | 3.50% | 6.12% | 0.69% |
| Q1 2024 | 3.97% | 0.49% | 3.50% | 6.06% | 0.73% |
| Q2 2024 | 4.00% | 0.55% | 3.48% | 6.13% | 0.75% |
| Q3 2024 | 4.25% | 0.57% | 3.71% | 6.41% | 1.01% |
| Q4 2024 | 4.35% | 0.54% | 3.84% | 6.28% | 1.59% |
| Q1 2025 | 4.42% | 0.51% | 3.95% | 6.17% | 2.14% |
| Q2 2025 | 4.76% | 0.54% | 4.25% | 6.60% | 2.31% |
| Q3 2025 | 4.82% | 0.59% | 4.26% | 6.66% | 2.23% |
| Q4 2025 | 5.07% | 0.58% | 4.53% | 7.16% | 2.31% |
| Q1 2026 | 5.08% | 0.68% | 4.44% | 6.81% | 2.83% |
| Q2 2026 | 5.30% | 0.70% | 4.65% | 6.97% | 3.15% |
Central Bank and Trust 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 and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 529) · FFIEC NIC profile (RSSD 903950)