Commonwealth National 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 0.16 percentage points from Q1 2026 to Q2 2026, ending at 3.69% against 3.53%. It was the largest change among the key lines on this page. Within Alabama, Commonwealth National Bank is 57th of 93 on net interest margin, 3.69% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Commonwealth National Bank sits 0.20 points lower, at 3.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.94% |
| Cost of interest-bearing deposits | 1.41% |
| Cost of interest-bearing liabilities | 1.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $474K |
| Total interest expense | $158K |
| Interest expense on deposits | $158K |
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 |
|---|---|---|---|
| Q3 2023 | 3.97% | 0.38% | 3.63% |
| Q4 2023 | 4.05% | 0.44% | 3.68% |
| Q1 2024 | 4.62% | 0.42% | 4.26% |
| Q2 2024 | 3.75% | 0.41% | 3.39% |
| Q3 2024 | 4.18% | 0.68% | 3.58% |
| Q4 2024 | 4.38% | 0.80% | 3.65% |
| Q1 2025 | 4.14% | 0.70% | 3.50% |
| Q2 2025 | 4.40% | 0.74% | 3.72% |
| Q3 2025 | 4.67% | 0.73% | 4.00% |
| Q4 2025 | 4.93% | 0.75% | 4.25% |
| Q1 2026 | 4.33% | 0.89% | 3.53% |
| Q2 2026 | 4.58% | 0.94% | 3.69% |
Commonwealth National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22229) · FFIEC NIC profile (RSSD 578237)