Commercial State 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.
In Q3 2026, Net interest margin edged up by 0.10 percentage points, from 3.86% to 3.96%, the largest move among the key lines here. Within Nebraska, Commercial State Bank is 61st of 138 on net interest margin, 3.96% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Commercial State Bank reported 3.96% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 7.23% |
| Yield on securities | 3.61% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.87% |
| Cost of interest-bearing deposits | 3.19% |
| Cost of interest-bearing liabilities | 3.19% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 5.74% | 2.76% | 3.17% | 6.27% | 2.78% |
| Q1 2024 | 6.04% | 3.08% | 3.15% | 6.60% | 2.81% |
| Q2 2024 | 6.24% | 3.19% | 3.23% | 6.76% | 2.85% |
| Q3 2024 | 6.42% | 3.39% | 3.21% | 6.95% | 2.86% |
| Q4 2024 | 6.25% | 3.29% | 3.27% | 7.06% | 3.00% |
| Q1 2025 | 6.30% | 3.07% | 3.46% | 6.97% | 3.17% |
| Q2 2025 | 6.55% | 3.02% | 3.75% | 7.13% | 3.18% |
| Q3 2025 | 6.56% | 3.08% | 3.76% | 7.30% | 3.30% |
| Q4 2025 | 6.53% | 2.81% | 3.82% | 7.30% | 3.39% |
| Q1 2026 | 6.49% | 2.83% | 3.88% | 7.14% | 3.44% |
| Q2 2026 | 6.44% | 2.85% | 3.86% | 7.25% | 3.45% |
| Q3 2026 | 6.56% | 2.87% | 3.96% | 7.23% | 3.61% |
Commercial State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13819) · FFIEC NIC profile (RSSD 479754)