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.
The standout move of Q2 2026 was in Cost of borrowings: 3.08 percentage points lower than in Q1 2026, at 2.70%. Commercial State Bank has the 14th lowest net interest margin of the 138 banks headquartered in Nebraska, at 3.06% as of Q2 2026. Commercial State Bank reported 3.06% on net interest margin for Q2 2026, 0.83 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.91% |
| Yield on loans | 6.42% |
| Yield on securities | 4.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.59% |
| Cost of interest-bearing deposits | 2.72% |
| Cost of interest-bearing liabilities | 2.71% |
| Cost of borrowings | 2.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.06% |
| Yield to cost spread | 2.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $314K |
| Total interest expense | $333K |
| Interest expense on deposits | $310K |
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 | 4.39% | 3.11% | 2.19% | 6.88% | 3.48% |
| Q4 2023 | 4.54% | 3.57% | 2.03% | 6.90% | 3.68% |
| Q1 2024 | 4.45% | 3.88% | 1.76% | 6.86% | 3.56% |
| Q2 2024 | 4.52% | 2.68% | 1.93% | 6.84% | 3.74% |
| Q3 2024 | 4.61% | 2.90% | 1.79% | 7.30% | 3.72% |
| Q4 2024 | 4.93% | 3.56% | 2.08% | 7.24% | 4.05% |
| Q1 2025 | 4.90% | 3.52% | 2.32% | 7.03% | 4.09% |
| Q2 2025 | 4.97% | 3.25% | 2.57% | 6.89% | 4.23% |
| Q3 2025 | 4.95% | 3.58% | 2.43% | 6.96% | 4.16% |
| Q4 2025 | 4.92% | 3.11% | 2.62% | 6.96% | 4.02% |
| Q1 2026 | 4.75% | 2.80% | 2.83% | 6.70% | 3.95% |
| Q2 2026 | 4.91% | 2.59% | 3.06% | 6.42% | 4.33% |
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 1986) · FFIEC NIC profile (RSSD 924553)