Commerceone 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: 4.32 percentage points lower than in Q1 2026, at 0.00%. Commerceone Bank ranks 53rd of 93 Alabama banks on net interest margin, in the lower half at 3.73% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Commerceone Bank reported 3.73% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 6.67% |
| Yield on securities | 3.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 3.05% |
| Cost of interest-bearing liabilities | 3.05% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 2.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.5M |
| Total interest expense | $5.0M |
| Interest expense on deposits | $5.0M |
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 | 6.61% | 3.44% | 3.54% | 7.02% | 2.58% |
| Q4 2023 | 6.74% | 3.55% | 3.50% | 7.17% | 2.57% |
| Q1 2024 | 6.71% | 3.58% | 3.49% | 7.20% | 3.01% |
| Q2 2024 | 6.83% | 3.71% | 3.55% | 7.24% | 3.33% |
| Q3 2024 | 6.93% | 3.79% | 3.57% | 7.40% | 3.68% |
| Q4 2024 | 6.58% | 3.28% | 3.62% | 7.09% | 3.59% |
| Q1 2025 | 6.22% | 2.96% | 3.56% | 6.81% | 3.45% |
| Q2 2025 | 6.49% | 2.94% | 3.87% | 6.97% | 3.55% |
| Q3 2025 | 6.54% | 2.93% | 3.87% | 6.92% | 3.65% |
| Q4 2025 | 6.47% | 2.59% | 4.14% | 6.84% | 3.40% |
| Q1 2026 | 5.91% | 2.45% | 3.73% | 6.40% | 3.26% |
| Q2 2026 | 5.82% | 2.23% | 3.73% | 6.67% | 3.23% |
Commerceone 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 Commerceone 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 Commerceone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59114) · FFIEC NIC profile (RSSD 5227101)