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.
In Q2 2026, Net interest margin edged up by 0.06 percentage points, from 4.02% to 4.08%, the largest move among the key lines here. Within Michigan, Commercial Bank is 37th of 72 on net interest margin, 4.08% as of Q2 2026, below the middle of the field. Commercial Bank reported 4.08% on net interest margin for Q2 2026, 0.13 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 5.46% |
| Yield on securities | 3.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.79% |
| Cost of interest-bearing deposits | 1.11% |
| Cost of interest-bearing liabilities | 1.23% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.0M |
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 | 4.63% | 1.01% | 3.46% | 5.15% | 2.19% |
| Q4 2023 | 4.76% | 1.11% | 3.49% | 5.27% | 2.35% |
| Q1 2024 | 4.77% | 1.19% | 3.42% | 5.27% | 2.35% |
| Q2 2024 | 4.93% | 1.25% | 3.52% | 5.36% | 2.45% |
| Q3 2024 | 5.02% | 1.22% | 3.64% | 5.47% | 2.62% |
| Q4 2024 | 4.99% | 1.03% | 3.82% | 5.44% | 2.87% |
| Q1 2025 | 4.88% | 0.99% | 3.77% | 5.30% | 3.22% |
| Q2 2025 | 4.99% | 0.97% | 3.89% | 5.43% | 3.36% |
| Q3 2025 | 5.10% | 0.90% | 4.09% | 5.52% | 3.58% |
| Q4 2025 | 5.03% | 0.77% | 4.16% | 5.50% | 3.63% |
| Q1 2026 | 4.90% | 0.78% | 4.02% | 5.39% | 3.75% |
| Q2 2026 | 4.97% | 0.79% | 4.08% | 5.46% | 3.72% |
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 18584) · FFIEC NIC profile (RSSD 513340)