Community 1st Bank Las Vegas: 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, Yield on loans edged down by 0.17 percentage points, from 7.14% to 6.97%, the largest move among the key lines here. Within New Mexico, Community 1st Bank Las Vegas is 19th of 29 on net interest margin, 4.12% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Community 1st Bank Las Vegas sits 0.17 points higher, at 4.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.76% |
| Yield on loans | 6.97% |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.68% |
| Cost of interest-bearing deposits | 0.96% |
| Cost of interest-bearing liabilities | 0.96% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $446K |
| Interest expense on deposits | $446K |
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 | 3.89% | 0.36% | 3.54% | 6.57% | 1.40% |
| Q4 2023 | 4.06% | 0.53% | 3.55% | 6.62% | 1.36% |
| Q1 2024 | 4.27% | 0.60% | 3.70% | 6.57% | 1.33% |
| Q2 2024 | 4.65% | 0.70% | 3.98% | 7.20% | 1.37% |
| Q3 2024 | 4.82% | 0.79% | 4.05% | 7.22% | 1.84% |
| Q4 2024 | 4.63% | 0.76% | 3.89% | 7.01% | 2.30% |
| Q1 2025 | 4.40% | 0.70% | 3.73% | 6.78% | 2.70% |
| Q2 2025 | 4.67% | 0.70% | 3.99% | 7.19% | 2.92% |
| Q3 2025 | 4.66% | 0.73% | 3.94% | 6.99% | 3.10% |
| Q4 2025 | 4.65% | 0.78% | 3.91% | 6.91% | 3.33% |
| Q1 2026 | 4.77% | 0.71% | 4.09% | 7.14% | 3.53% |
| Q2 2026 | 4.76% | 0.68% | 4.12% | 6.97% | 3.63% |
Community 1st Bank Las Vegas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 1st Bank Las Vegas, 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 Community 1st Bank Las Vegas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16854) · FFIEC NIC profile (RSSD 768458)