The 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.7% to $1.4M. The Commercial Bank ranks 41st of 57 Mississippi banks on net interest margin, in the lower half at 3.55% (Q2 2026). The Commercial Bank reported 3.55% on net interest margin for Q2 2026, 0.39 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.41% |
| Yield on loans | 7.21% |
| Yield on securities | 2.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 4.82% | 1.09% | 3.55% | 7.04% | 3.37% |
| Q4 2023 | 5.05% | 1.34% | 3.50% | 7.35% | 3.48% |
| Q1 2024 | 5.04% | 1.46% | 3.35% | 7.35% | 3.32% |
| Q2 2024 | 5.10% | 1.58% | 3.28% | 7.49% | 3.24% |
| Q3 2024 | 5.21% | 1.68% | 3.29% | 7.70% | 3.16% |
| Q4 2024 | 5.32% | 1.93% | 3.18% | 7.71% | 3.08% |
| Q1 2025 | 5.15% | 1.82% | 3.10% | 7.38% | 2.91% |
| Q2 2025 | 5.24% | 1.70% | 3.31% | 7.40% | 2.89% |
| Q3 2025 | 5.48% | 1.80% | 3.46% | 7.65% | 2.92% |
| Q4 2025 | 5.54% | 1.87% | 3.47% | 7.58% | 3.04% |
| Q1 2026 | 5.31% | 1.62% | 3.49% | 7.21% | 2.72% |
| Q2 2026 | 5.41% | 1.65% | 3.55% | 7.21% | 2.66% |
The 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 The 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 The Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9356) · FFIEC NIC profile (RSSD 700430)