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.
Compared with Q1 2026, Net interest margin rose 0.20 percentage points in Q2 2026 to 3.81%, the biggest move on this page. Within South Dakota, Community Bank is 29th of 56 on net interest margin, 3.81% as of Q2 2026, below the middle of the field. At 3.81%, Community Bank's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 7.74% |
| Yield on securities | 2.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $823K |
| Total interest expense | $309K |
| Interest expense on deposits | $301K |
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 | 4.04% | 1.65% | 2.60% | 6.51% | 1.69% |
| Q4 2023 | 4.54% | 2.10% | 2.76% | 7.42% | 1.69% |
| Q1 2024 | 4.53% | 2.49% | 2.48% | 7.28% | 1.70% |
| Q2 2024 | 4.91% | 2.65% | 2.71% | 7.69% | 1.89% |
| Q3 2024 | 5.17% | 2.66% | 2.92% | 7.85% | 1.89% |
| Q4 2024 | 5.30% | 2.57% | 3.11% | 7.97% | 1.88% |
| Q1 2025 | 5.27% | 2.41% | 3.19% | 7.80% | 1.87% |
| Q2 2025 | 5.57% | 2.06% | 3.73% | 7.94% | 1.84% |
| Q3 2025 | 5.60% | 2.25% | 3.62% | 7.84% | 1.82% |
| Q4 2025 | 5.57% | 2.34% | 3.54% | 7.72% | 1.85% |
| Q1 2026 | 5.52% | 2.17% | 3.61% | 7.68% | 2.41% |
| Q2 2026 | 5.62% | 2.07% | 3.81% | 7.74% | 2.35% |
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 1687) · FFIEC NIC profile (RSSD 276953)