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.
In Q2 2026, Net interest margin edged up by 0.03 percentage points, from 4.44% to 4.47%, the largest move among the key lines here. Within Texas, Community Bank is 115th of 345 on net interest margin, 4.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Community Bank sits 0.52 points higher, at 4.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 6.05% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $845K |
| Interest expense on deposits | $845K |
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 | 5.03% | 0.90% | 4.24% | 5.05% | 4.53% |
| Q4 2023 | 5.20% | 1.03% | 4.30% | 5.24% | 4.56% |
| Q1 2024 | 5.19% | 1.18% | 4.15% | 5.27% | 2.03% |
| Q2 2024 | 5.29% | 1.29% | 4.19% | 5.40% | 1.04% |
| Q3 2024 | 5.45% | 1.41% | 4.25% | 5.60% | 1.04% |
| Q4 2024 | 5.51% | 1.35% | 4.35% | 5.73% | 1.35% |
| Q1 2025 | 5.44% | 1.41% | 4.20% | 5.68% | — |
| Q2 2025 | 5.57% | 1.47% | 4.32% | 5.83% | — |
| Q3 2025 | 5.71% | 1.46% | 4.47% | 5.99% | — |
| Q4 2025 | 5.63% | 1.32% | 4.48% | 6.06% | — |
| Q1 2026 | 5.57% | 1.30% | 4.44% | 6.02% | — |
| Q2 2026 | 5.56% | 1.29% | 4.47% | 6.05% | — |
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 25752) · FFIEC NIC profile (RSSD 572655)