Central 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 rose 0.32 percentage points to 3.36%. Central National Bank ranks 114th of 182 Kansas banks on net interest margin, in the lower half at 3.81% (Q2 2026). At 3.81%, Central National Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.85% |
| Yield on securities | 3.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 3.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.5M |
| Total interest expense | $5.6M |
| Interest expense on deposits | $5.2M |
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 | 4.64% | 2.22% | 2.52% | 5.84% | 2.65% |
| Q4 2023 | 4.71% | 2.07% | 2.74% | 6.01% | 2.82% |
| Q1 2024 | 4.82% | 2.18% | 2.76% | 6.07% | 2.91% |
| Q2 2024 | 5.01% | 2.25% | 2.91% | 6.31% | 2.90% |
| Q3 2024 | 5.25% | 2.27% | 3.13% | 6.56% | 3.24% |
| Q4 2024 | 5.24% | 2.03% | 3.35% | 6.56% | 3.07% |
| Q1 2025 | 5.15% | 1.86% | 3.40% | 6.48% | 2.99% |
| Q2 2025 | 5.38% | 1.88% | 3.62% | 6.68% | 3.15% |
| Q3 2025 | 5.59% | 1.88% | 3.83% | 6.92% | 3.16% |
| Q4 2025 | 5.52% | 1.82% | 3.84% | 6.91% | 3.02% |
| Q1 2026 | 5.41% | 1.81% | 3.75% | 6.91% | 3.04% |
| Q2 2026 | 5.48% | 1.80% | 3.81% | 6.85% | 3.36% |
Central 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 Central 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 Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4702) · FFIEC NIC profile (RSSD 234355)