Community Bank Delaware: 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, Cost of borrowings edged down by 0.22 percentage points, from 4.02% to 3.80%, the largest move among the key lines here. On net interest margin, Community Bank Delaware is 1st from the bottom among 17 Delaware banks, 3.15% (Q2 2026). Community Bank Delaware reported 3.15% on net interest margin for Q2 2026, 0.80 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 5.92% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.64% |
| Cost of interest-bearing deposits | 2.89% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.2M |
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 | 4.90% | 1.77% | 3.22% | 5.10% | 2.54% |
| Q4 2023 | 5.13% | 2.21% | 3.02% | 5.30% | 2.54% |
| Q1 2024 | 5.17% | 2.67% | 2.60% | 5.32% | 2.53% |
| Q2 2024 | 5.28% | 2.72% | 2.66% | 5.42% | 2.55% |
| Q3 2024 | 5.25% | 2.76% | 2.56% | 5.57% | 2.53% |
| Q4 2024 | 5.42% | 2.82% | 2.69% | 5.65% | 2.53% |
| Q1 2025 | 5.33% | 2.70% | 2.71% | 5.56% | 2.72% |
| Q2 2025 | 5.44% | 2.71% | 2.81% | 5.73% | 2.70% |
| Q3 2025 | 5.50% | 2.92% | 2.85% | 5.86% | 2.78% |
| Q4 2025 | 5.58% | 2.56% | 3.12% | 5.86% | 2.84% |
| Q1 2026 | 5.54% | 2.56% | 3.07% | 5.83% | 2.80% |
| Q2 2026 | 5.62% | 2.64% | 3.15% | 5.92% | 2.87% |
Community Bank Delaware 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 Delaware, 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 Delaware profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58311) · FFIEC NIC profile (RSSD 3446784)