Commercial Bank & Trust Company: 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.
Total interest expense fell 3.4% from Q1 2026 to Q2 2026, ending at $3.6M against $3.7M. It was the largest change among the key lines on this page. Within Tennessee, Commercial Bank & Trust Company is 75th of 109 on net interest margin, 3.63% as of Q2 2026, below the middle of the field. At 3.63%, Commercial Bank & Trust Company's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.01% |
| Yield on loans | 6.55% |
| Yield on securities | 2.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.3M |
| Total interest expense | $3.6M |
| Interest expense on deposits | $3.6M |
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 | 4.71% | 1.40% | 3.21% | 6.43% | 2.34% |
| Q4 2023 | 4.73% | 1.58% | 3.08% | 6.29% | 2.34% |
| Q1 2024 | 4.71% | 1.66% | 3.00% | 6.32% | 2.34% |
| Q2 2024 | 4.86% | 1.73% | 3.03% | 6.49% | 2.35% |
| Q3 2024 | 5.02% | 1.79% | 3.15% | 6.72% | 2.37% |
| Q4 2024 | 4.92% | 1.69% | 3.16% | 6.64% | 2.42% |
| Q1 2025 | 4.79% | 1.60% | 3.13% | 6.42% | 2.43% |
| Q2 2025 | 4.93% | 1.63% | 3.27% | 6.63% | 2.44% |
| Q3 2025 | 5.03% | 1.66% | 3.33% | 6.69% | 2.47% |
| Q4 2025 | 5.01% | 1.54% | 3.45% | 6.62% | 2.53% |
| Q1 2026 | 4.89% | 1.39% | 3.46% | 6.47% | 2.46% |
| Q2 2026 | 5.01% | 1.36% | 3.63% | 6.55% | 2.52% |
Commercial Bank & Trust Company 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 & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8660) · FFIEC NIC profile (RSSD 467658)