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 0.13 percentage points in Q2 2026 to 3.95%, the biggest move on this page. Within Iowa, Community Bank is 60th of 225 on net interest margin, 3.95% 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 reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 7.01% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $623K |
| Interest expense on deposits | $623K |
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 | 4.83% | 1.76% | 3.15% | 6.18% | 2.32% |
| Q4 2023 | 5.23% | 2.21% | 3.17% | 6.69% | 2.38% |
| Q1 2024 | 5.18% | 2.07% | 3.26% | 6.60% | 2.31% |
| Q2 2024 | 5.47% | 2.19% | 3.41% | 6.97% | 2.37% |
| Q3 2024 | 5.80% | 2.19% | 3.63% | 7.34% | 2.51% |
| Q4 2024 | 5.71% | 2.40% | 3.45% | 7.26% | 2.35% |
| Q1 2025 | 5.52% | 2.22% | 3.47% | 7.13% | 2.40% |
| Q2 2025 | 5.77% | 2.22% | 3.69% | 7.25% | 2.48% |
| Q3 2025 | 5.97% | 2.15% | 3.98% | 7.28% | 2.57% |
| Q4 2025 | 6.05% | 2.25% | 3.99% | 7.36% | 2.64% |
| Q1 2026 | 5.73% | 2.04% | 3.82% | 7.02% | 2.62% |
| Q2 2026 | 5.79% | 2.00% | 3.95% | 7.01% | 2.61% |
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 14649) · FFIEC NIC profile (RSSD 675042)