Commonwealth Community Bank, Inc.: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.16 percentage points to 2.46%. Commonwealth Community Bank, Inc. has the 2nd lowest net interest margin of the 119 banks headquartered in Kentucky, at 2.46% as of Q2 2026. Commonwealth Community Bank, Inc. reported 2.46% on net interest margin for Q2 2026, 1.49 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.86% |
| Yield on loans | 6.01% |
| Yield on securities | 2.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 0.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.46% |
| Yield to cost spread | 1.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $827K |
| Total interest expense | $484K |
| Interest expense on deposits | $482K |
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 | 2.91% | 1.11% | 1.80% | 5.88% | 1.33% |
| Q4 2023 | 3.01% | 1.60% | 1.45% | 6.11% | 1.33% |
| Q1 2024 | 2.82% | 1.73% | 1.12% | 5.39% | 1.32% |
| Q2 2024 | 3.10% | 1.77% | 1.37% | 6.15% | 1.32% |
| Q3 2024 | 3.16% | 1.91% | 1.29% | 6.28% | 1.32% |
| Q4 2024 | 3.20% | 1.84% | 1.40% | 6.38% | 1.33% |
| Q1 2025 | 3.19% | 1.66% | 1.57% | 6.30% | 1.33% |
| Q2 2025 | 3.18% | 1.62% | 1.61% | 6.05% | 1.35% |
| Q3 2025 | 3.43% | 1.59% | 1.80% | 6.28% | 1.36% |
| Q4 2025 | 3.67% | 1.45% | 2.25% | 6.29% | 1.69% |
| Q1 2026 | 3.62% | 1.41% | 2.30% | 6.03% | 1.83% |
| Q2 2026 | 3.86% | 1.38% | 2.46% | 6.01% | 2.10% |
Commonwealth Community Bank, Inc. 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 Community Bank, Inc., 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 Community Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8126) · FFIEC NIC profile (RSSD 541642)