Community Bank and Trust: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.13 percentage points to 3.65%. Within Missouri, Community Bank and Trust is 140th of 192 on net interest margin, 3.65% as of Q2 2026, below the middle of the field. Community Bank and Trust reported 3.65% on net interest margin for Q2 2026, 0.30 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.21% |
| Yield on loans | 5.23% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.47% |
| Cost of interest-bearing deposits | 0.88% |
| Cost of interest-bearing liabilities | 0.85% |
| Cost of borrowings | 0.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $606K |
| Interest expense on deposits | $599K |
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 | 3.30% | 0.21% | 3.05% | 4.05% | 1.36% |
| Q4 2023 | 3.66% | 0.33% | 3.27% | 4.63% | 1.33% |
| Q1 2024 | 3.72% | 0.43% | 3.21% | 4.68% | 1.35% |
| Q2 2024 | 3.87% | 0.52% | 3.25% | 4.81% | 1.55% |
| Q3 2024 | 4.02% | 0.61% | 3.28% | 5.02% | 1.64% |
| Q4 2024 | 3.97% | 0.63% | 3.22% | 5.05% | 1.84% |
| Q1 2025 | 3.94% | 0.60% | 3.23% | 5.01% | 2.12% |
| Q2 2025 | 4.13% | 0.56% | 3.46% | 5.26% | 2.34% |
| Q3 2025 | 4.28% | 0.57% | 3.60% | 5.45% | 2.50% |
| Q4 2025 | 4.01% | 0.55% | 3.36% | 4.87% | 2.59% |
| Q1 2026 | 4.11% | 0.50% | 3.52% | 5.15% | 2.66% |
| Q2 2026 | 4.21% | 0.47% | 3.65% | 5.23% | 2.87% |
Community Bank and Trust 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 and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13068) · FFIEC NIC profile (RSSD 957757)