Community Bank, N.A.: 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 0.07 percentage points, from 3.39% to 3.46%, the largest move among the key lines here. Community Bank, N.A. ranks 61st of 105 New York banks on net interest margin, in the lower half at 3.46% (Q2 2026). Community Bank, N.A. reported 3.46% on net interest margin for Q2 2026, 0.14 points below the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.60% |
| Yield on loans | 5.64% |
| Yield on securities | 2.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.17% |
| Cost of interest-bearing deposits | 1.45% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.46% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $157.6M |
| Total interest expense | $45.6M |
| Interest expense on deposits | $39.8M |
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 | 3.97% | 0.89% | 3.11% | 4.96% | 1.94% |
| Q4 2023 | 4.14% | 1.09% | 3.08% | 5.12% | 1.94% |
| Q1 2024 | 4.21% | 1.30% | 2.94% | 5.22% | 1.96% |
| Q2 2024 | 4.32% | 1.35% | 3.00% | 5.35% | 1.98% |
| Q3 2024 | 4.45% | 1.44% | 3.05% | 5.54% | 2.00% |
| Q4 2024 | 4.54% | 1.38% | 3.20% | 5.61% | 2.01% |
| Q1 2025 | 4.44% | 1.30% | 3.18% | 5.50% | 2.01% |
| Q2 2025 | 4.54% | 1.31% | 3.27% | 5.61% | 2.05% |
| Q3 2025 | 4.62% | 1.33% | 3.33% | 5.73% | 2.06% |
| Q4 2025 | 4.64% | 1.28% | 3.40% | 5.73% | 2.04% |
| Q1 2026 | 4.54% | 1.19% | 3.39% | 5.61% | 2.03% |
| Q2 2026 | 4.60% | 1.17% | 3.46% | 5.64% | 2.06% |
Community Bank, N.A. 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, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6989) · FFIEC NIC profile (RSSD 202907)