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, Yield on loans edged up by 0.21 percentage points, from 7.71% to 7.92%, the largest move among the key lines here. Among 169 Oklahoma banks, Community Bank sits 6th from the top on net interest margin, 6.01% as of Q2 2026. Against a median of 3.94% for banks in the $100M-1B asset tier, Community Bank reported 6.01% on net interest margin in Q2 2026, 2.07 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.29% |
| Yield on loans | 7.92% |
| Yield on securities | 4.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.39% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.01% |
| Yield to cost spread | 5.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $368K |
| Interest expense on deposits | $368K |
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 | 6.51% | 0.79% | 5.77% | 7.54% | 3.19% |
| Q4 2023 | 6.66% | 0.97% | 5.77% | 7.74% | 3.10% |
| Q1 2024 | 6.89% | 1.05% | 5.89% | 7.76% | 3.58% |
| Q2 2024 | 7.28% | 1.11% | 6.26% | 8.24% | 3.49% |
| Q3 2024 | 7.35% | 1.24% | 6.21% | 8.14% | 3.78% |
| Q4 2024 | 7.45% | 1.29% | 6.28% | 8.10% | 4.18% |
| Q1 2025 | 7.11% | 1.29% | 5.94% | 7.89% | 4.48% |
| Q2 2025 | 7.50% | 1.26% | 6.35% | 8.12% | 4.63% |
| Q3 2025 | 7.43% | 1.31% | 6.24% | 8.11% | 4.58% |
| Q4 2025 | 7.44% | 1.36% | 6.21% | 8.08% | 4.61% |
| Q1 2026 | 7.17% | 1.34% | 5.93% | 7.71% | 4.51% |
| Q2 2026 | 7.29% | 1.39% | 6.01% | 7.92% | 4.48% |
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 8975) · FFIEC NIC profile (RSSD 938550)