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 standout move of Q2 2026 was in Total interest expense: 10.5% higher than in Q1 2026, at $6.2M. Within Pennsylvania, Community Bank is 42nd of 109 on net interest margin, 3.73% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Community Bank reported 3.73% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 5.64% |
| Yield on securities | 4.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.4M |
| Total interest expense | $6.2M |
| Interest expense on deposits | $5.9M |
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 | 4.65% | 1.56% | 3.19% | 5.12% | 1.88% |
| Q4 2023 | 4.86% | 1.72% | 3.25% | 5.31% | 2.28% |
| Q1 2024 | 5.16% | 1.94% | 3.37% | 5.38% | 3.90% |
| Q2 2024 | 5.20% | 2.18% | 3.20% | 5.36% | 4.27% |
| Q3 2024 | 5.36% | 2.37% | 3.16% | 5.53% | 4.56% |
| Q4 2024 | 5.26% | 2.27% | 3.17% | 5.57% | 4.35% |
| Q1 2025 | 5.07% | 1.95% | 3.26% | 5.40% | 3.99% |
| Q2 2025 | 5.26% | 1.84% | 3.57% | 5.63% | 4.02% |
| Q3 2025 | 5.42% | 1.82% | 3.72% | 5.69% | 4.46% |
| Q4 2025 | 5.49% | 1.75% | 3.85% | 5.66% | 5.14% |
| Q1 2026 | 5.36% | 1.62% | 3.84% | 5.58% | 4.94% |
| Q2 2026 | 5.29% | 1.69% | 3.73% | 5.64% | 4.82% |
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 7848) · FFIEC NIC profile (RSSD 371924)