Commonwealth Business 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 Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.09% to 3.21%, the largest move among the key lines here. Commonwealth Business Bank ranks 94th of 114 California banks on net interest margin, in the lower half at 3.21% (Q2 2026). Commonwealth Business Bank reported 3.21% on net interest margin for Q2 2026, 0.50 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 6.48% |
| Yield on securities | 4.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.14% |
| Cost of interest-bearing deposits | 3.81% |
| Cost of interest-bearing liabilities | 3.81% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.21% |
| Yield to cost spread | 2.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.3M |
| Total interest expense | $13.0M |
| Interest expense on deposits | $13.0M |
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 | 6.60% | 2.89% | 4.04% | 6.98% | 3.50% |
| Q4 2023 | 6.70% | 3.22% | 3.88% | 7.07% | 3.67% |
| Q1 2024 | 6.73% | 3.43% | 3.74% | 7.04% | 3.83% |
| Q2 2024 | 6.75% | 3.49% | 3.74% | 7.02% | 4.08% |
| Q3 2024 | 6.83% | 3.57% | 3.73% | 7.11% | 4.28% |
| Q4 2024 | 6.55% | 3.46% | 3.57% | 6.94% | 4.44% |
| Q1 2025 | 6.16% | 3.28% | 3.33% | 6.57% | 4.29% |
| Q2 2025 | 6.26% | 3.27% | 3.45% | 6.62% | 4.22% |
| Q3 2025 | 6.33% | 3.28% | 3.52% | 6.74% | 4.25% |
| Q4 2025 | 6.07% | 3.33% | 3.18% | 6.73% | 4.14% |
| Q1 2026 | 5.86% | 3.16% | 3.09% | 6.42% | 4.02% |
| Q2 2026 | 5.92% | 3.14% | 3.21% | 6.48% | 4.08% |
Commonwealth Business 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 Commonwealth Business 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 Commonwealth Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57873) · FFIEC NIC profile (RSSD 3337097)