Commercial Savings 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.
Net interest margin rose 0.25 percentage points from Q1 2026 to Q2 2026, ending at 3.67% against 3.42%. It was the largest change among the key lines on this page. Within Iowa, Commercial Savings Bank is 113th of 225 on net interest margin, 3.67% as of Q2 2026, below the middle of the field. Commercial Savings Bank reported 3.67% on net interest margin for Q2 2026, 0.28 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.07% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.4M |
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 | 4.22% | 1.84% | 2.49% | 5.20% | 1.28% |
| Q4 2023 | 4.47% | 2.23% | 2.34% | 5.46% | 1.21% |
| Q1 2024 | 4.57% | 2.40% | 2.30% | 5.57% | 1.20% |
| Q2 2024 | 4.76% | 2.55% | 2.34% | 5.74% | 1.19% |
| Q3 2024 | 4.99% | 2.68% | 2.47% | 5.97% | 1.22% |
| Q4 2024 | 5.06% | 2.55% | 2.65% | 5.98% | 1.27% |
| Q1 2025 | 5.00% | 2.30% | 2.83% | 5.86% | 1.41% |
| Q2 2025 | 5.27% | 2.26% | 3.17% | 6.10% | 1.46% |
| Q3 2025 | 5.46% | 2.41% | 3.22% | 6.21% | 1.62% |
| Q4 2025 | 5.50% | 2.32% | 3.34% | 6.14% | 1.94% |
| Q1 2026 | 5.45% | 2.16% | 3.42% | 6.00% | 2.41% |
| Q2 2026 | 5.66% | 2.13% | 3.67% | 6.07% | 2.77% |
Commercial Savings 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 Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 231) · FFIEC NIC profile (RSSD 194440)