Commercial Capital 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: 5.57 percentage points higher than in Q1 2026, at 14.04%. Within Louisiana, Commercial Capital Bank is 59th of 103 on net interest margin, 4.18% as of Q2 2026, below the middle of the field. Commercial Capital Bank reported 4.18% on net interest margin for Q2 2026, 0.23 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.78% |
| Yield on loans | 7.20% |
| Yield on securities | 3.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.44% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 3.08% |
| Cost of borrowings | 14.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $3.6M |
| Interest expense on deposits | $2.5M |
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 | 7.58% | 2.35% | 5.48% | 8.16% | 2.99% |
| Q4 2023 | 7.63% | 2.57% | 5.28% | 8.27% | 3.68% |
| Q1 2024 | 7.54% | 2.67% | 5.16% | 8.41% | 2.87% |
| Q2 2024 | 7.80% | 2.85% | 5.30% | 8.39% | 3.17% |
| Q3 2024 | 7.97% | 2.99% | 5.24% | 8.58% | 3.68% |
| Q4 2024 | 7.37% | 3.04% | 4.75% | 7.90% | 3.42% |
| Q1 2025 | 7.00% | 2.92% | 4.54% | 8.54% | 1.24% |
| Q2 2025 | 7.60% | 3.26% | 4.76% | 8.20% | 4.93% |
| Q3 2025 | 6.87% | 3.26% | 3.98% | 7.37% | 4.07% |
| Q4 2025 | 7.20% | 3.10% | 4.43% | 7.68% | 3.89% |
| Q1 2026 | 6.94% | 3.04% | 4.43% | 7.58% | 3.80% |
| Q2 2026 | 6.78% | 3.44% | 4.18% | 7.20% | 3.79% |
Commercial Capital 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 Capital 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34784) · FFIEC NIC profile (RSSD 2756730)