Commercial 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: 0.76 percentage points lower than in Q1 2026, at 3.35%. Within Kentucky, Commercial Bank is 66th of 119 on net interest margin, 3.95% 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; Commercial Bank reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 6.98% |
| Yield on securities | 2.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | 3.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $927K |
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 | 5.08% | 1.36% | 3.41% | 5.83% | 2.84% |
| Q4 2023 | 5.21% | 1.53% | 3.30% | 5.94% | 2.97% |
| Q1 2024 | 5.16% | 1.61% | 3.22% | 5.94% | 3.07% |
| Q2 2024 | 5.24% | 1.71% | 3.18% | 6.04% | 2.99% |
| Q3 2024 | 5.42% | 1.75% | 3.30% | 6.26% | 3.13% |
| Q4 2024 | 5.48% | 1.67% | 3.44% | 6.37% | 3.04% |
| Q1 2025 | 5.45% | 1.63% | 3.47% | 6.35% | 2.89% |
| Q2 2025 | 5.85% | 1.71% | 3.78% | 6.82% | 2.86% |
| Q3 2025 | 6.06% | 1.77% | 3.92% | 6.99% | 2.64% |
| Q4 2025 | 6.14% | 1.76% | 4.00% | 6.90% | 2.63% |
| Q1 2026 | 6.00% | 1.70% | 3.94% | 6.81% | 2.51% |
| Q2 2026 | 5.98% | 1.72% | 3.95% | 6.98% | 2.49% |
Commercial 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 Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9310) · FFIEC NIC profile (RSSD 358112)