Commerce 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 standout move of Q2 2026 was in Cost of borrowings: 1.18 percentage points higher than in Q1 2026, at 1.18%. Commerce Bank has the 26th lowest net interest margin of the 345 banks headquartered in Texas, at 2.92% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Commerce Bank sits 1.02 points lower, at 2.92% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.49% |
| Yield on loans | 7.12% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 1.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.92% |
| Yield to cost spread | 2.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.9M |
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 | 4.46% | 1.01% | 3.29% | 7.88% | 2.98% |
| Q4 2023 | 4.47% | 1.23% | 3.04% | 7.88% | 2.99% |
| Q1 2024 | 4.57% | 1.39% | 2.97% | 8.04% | 3.12% |
| Q2 2024 | 4.66% | 1.50% | 2.95% | 8.14% | 3.23% |
| Q3 2024 | 4.73% | 1.59% | 2.95% | 8.16% | 3.48% |
| Q4 2024 | 4.55% | 1.57% | 2.78% | 7.73% | 3.53% |
| Q1 2025 | 4.59% | 1.49% | 2.89% | 7.98% | 3.60% |
| Q2 2025 | 4.49% | 1.47% | 2.83% | 7.34% | 3.63% |
| Q3 2025 | 4.70% | 1.55% | 2.97% | 8.18% | 3.65% |
| Q4 2025 | 4.42% | 1.52% | 2.69% | 7.21% | 3.61% |
| Q1 2026 | 4.40% | 1.43% | 2.78% | 6.97% | 3.61% |
| Q2 2026 | 4.49% | 1.40% | 2.92% | 7.12% | 3.67% |
Commerce 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 Commerce 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 Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23772) · FFIEC NIC profile (RSSD 625159)