CIBC National Trust Company: 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 standout move of Q2 2026 was in Net interest margin: 0.54 percentage points higher than in Q1 2026, at 4.12%. Within Georgia, CIBC National Trust Company is 82nd of 121 on net interest margin, 4.12% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. CIBC National Trust Company sits 0.17 points higher, at 4.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.14% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.91% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 1.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $4K |
| Interest expense on deposits | $4K |
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 |
|---|---|---|---|
| Q3 2023 | 4.55% | 0.65% | 4.54% |
| Q4 2023 | 6.43% | 1.29% | 6.41% |
| Q1 2024 | 4.59% | 2.22% | 4.56% |
| Q2 2024 | 6.41% | 2.23% | 6.38% |
| Q3 2024 | 4.60% | 2.52% | 4.57% |
| Q4 2024 | 5.75% | 2.50% | 5.73% |
| Q1 2025 | 4.25% | 1.88% | 4.22% |
| Q2 2025 | 4.89% | 1.93% | 4.87% |
| Q3 2025 | 4.27% | 2.51% | 4.24% |
| Q4 2025 | 4.45% | 1.46% | 4.42% |
| Q1 2026 | 3.60% | 1.12% | 3.58% |
| Q2 2026 | 4.14% | 1.70% | 4.12% |
CIBC National Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock CIBC National Trust Company, 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 CIBC National Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 91325) · FFIEC NIC profile (RSSD 975751)