Chambers 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, Cost of borrowings rose 0.48 percentage points in Q2 2026 to 3.57%, the biggest move on this page. Chambers Bank ranks 24th of 78 Arkansas banks on net interest margin, in the upper half at 4.32% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Chambers Bank sits 0.61 points higher, at 4.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.45% |
| Yield on loans | 7.26% |
| Yield on securities | 4.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 3.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.7M |
| Total interest expense | $7.9M |
| Interest expense on deposits | $7.5M |
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 | 5.99% | 1.77% | 4.17% | 6.32% | 3.30% |
| Q4 2023 | 6.35% | 2.06% | 4.26% | 6.64% | 4.20% |
| Q1 2024 | 6.37% | 2.25% | 4.16% | 6.67% | 4.24% |
| Q2 2024 | 6.57% | 2.29% | 4.28% | 6.88% | 4.55% |
| Q3 2024 | 6.85% | 2.35% | 4.48% | 7.26% | 4.62% |
| Q4 2024 | 6.85% | 2.28% | 4.54% | 7.40% | 4.45% |
| Q1 2025 | 6.62% | 2.24% | 4.35% | 7.23% | 4.48% |
| Q2 2025 | 6.94% | 2.19% | 4.71% | 7.55% | 4.44% |
| Q3 2025 | 6.93% | 2.16% | 4.74% | 7.50% | 4.52% |
| Q4 2025 | 6.78% | 2.17% | 4.59% | 7.45% | 4.52% |
| Q1 2026 | 6.42% | 2.11% | 4.27% | 7.24% | 4.34% |
| Q2 2026 | 6.45% | 2.08% | 4.32% | 7.26% | 4.33% |
Chambers 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 Chambers 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 Chambers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5615) · FFIEC NIC profile (RSSD 517049)