The Commercial Bank of Ozark: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.26 percentage points to 3.47%. Within Alabama, The Commercial Bank of Ozark is 70th of 93 on net interest margin, 3.47% 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. The Commercial Bank of Ozark sits 0.48 points lower, at 3.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.46% |
| Yield on loans | 6.17% |
| Yield on securities | 2.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.03% |
| Cost of interest-bearing deposits | 1.29% |
| Cost of interest-bearing liabilities | 1.30% |
| Cost of borrowings | 4.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $818K |
| Total interest expense | $283K |
| Interest expense on deposits | $280K |
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 | 3.60% | 0.80% | 2.82% | 4.95% | 1.90% |
| Q4 2023 | 4.01% | 1.05% | 3.03% | 5.33% | 2.28% |
| Q1 2024 | 3.80% | 1.09% | 2.74% | 5.21% | 2.02% |
| Q2 2024 | 4.00% | 1.22% | 2.85% | 5.39% | 2.13% |
| Q3 2024 | 4.15% | 1.22% | 2.97% | 5.63% | 2.37% |
| Q4 2024 | 4.62% | 0.97% | 3.49% | 6.04% | 3.05% |
| Q1 2025 | 4.05% | 1.19% | 2.90% | 5.47% | 2.56% |
| Q2 2025 | 4.28% | 1.20% | 3.13% | 5.79% | 2.64% |
| Q3 2025 | 4.32% | 1.20% | 3.17% | 6.01% | 2.65% |
| Q4 2025 | 4.37% | 1.12% | 3.30% | 5.95% | 2.86% |
| Q1 2026 | 4.23% | 1.07% | 3.21% | 5.86% | 2.80% |
| Q2 2026 | 4.46% | 1.03% | 3.47% | 6.17% | 2.90% |
The Commercial Bank of Ozark yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial Bank of Ozark, 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 The Commercial Bank of Ozark profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17975) · FFIEC NIC profile (RSSD 522034)