Community 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.18 percentage points to 4.65%. Within Kansas, Community Bank is 20th of 182 on net interest margin, 4.65% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Community Bank sits 0.71 points higher, at 4.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 6.67% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 4.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $717K |
| Interest expense on deposits | $635K |
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 | 5.38% | 1.58% | 3.90% | 5.69% | 2.48% |
| Q4 2023 | 5.67% | 1.52% | 4.26% | 5.95% | 2.10% |
| Q1 2024 | 5.99% | 1.53% | 4.56% | 6.13% | 4.25% |
| Q2 2024 | 6.26% | 1.74% | 4.66% | 6.43% | 4.30% |
| Q3 2024 | 6.19% | 1.91% | 4.48% | 6.43% | 4.18% |
| Q4 2024 | 6.29% | 1.97% | 4.48% | 6.76% | 4.17% |
| Q1 2025 | 6.13% | 1.85% | 4.44% | 6.56% | 4.17% |
| Q2 2025 | 6.34% | 1.78% | 4.68% | 6.74% | 4.27% |
| Q3 2025 | 6.52% | 1.84% | 4.81% | 7.06% | 4.34% |
| Q4 2025 | 6.39% | 1.71% | 4.83% | 6.95% | 4.35% |
| Q1 2026 | 6.36% | 1.65% | 4.83% | 6.91% | 4.22% |
| Q2 2026 | 6.29% | 1.81% | 4.65% | 6.67% | 4.24% |
Community 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 Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34020) · FFIEC NIC profile (RSSD 2304636)