Commerce Bank & 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.
Compared with Q1 2026, Yield to cost spread rose 0.51 percentage points in Q2 2026 to 2.84%, the biggest move on this page. Commerce Bank & Trust ranks 53rd of 79 Florida banks on net interest margin, in the lower half at 3.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Commerce Bank & Trust sits 0.44 points lower, at 3.50% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 6.00% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | 1.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $756K |
| Interest expense on deposits | $717K |
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 | 4.77% | 2.14% | 2.87% | 5.51% | 2.12% |
| Q4 2023 | 4.83% | 2.22% | 2.77% | 5.56% | 2.13% |
| Q1 2024 | 5.03% | 2.23% | 2.91% | 5.78% | 2.15% |
| Q2 2024 | 5.11% | 2.31% | 2.90% | 5.87% | 2.15% |
| Q3 2024 | 5.27% | 2.34% | 3.05% | 5.99% | 2.18% |
| Q4 2024 | 5.32% | 2.15% | 3.26% | 6.16% | 2.16% |
| Q1 2025 | 5.10% | 1.81% | 3.40% | 5.88% | 2.26% |
| Q2 2025 | 5.27% | 1.87% | 3.55% | 5.97% | 2.33% |
| Q3 2025 | 5.28% | 2.10% | 3.31% | 6.01% | 2.32% |
| Q4 2025 | 5.26% | 1.85% | 3.40% | 6.05% | 2.33% |
| Q1 2026 | 5.06% | 1.75% | 3.34% | 5.88% | 2.36% |
| Q2 2026 | 5.23% | 1.82% | 3.50% | 6.00% | 2.46% |
Commerce Bank & 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 Commerce Bank & 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 Commerce Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57429) · FFIEC NIC profile (RSSD 3148613)