Community Bank of El Dorado Springs: 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 0.05 percentage points, from 3.98% to 4.03%, the largest move among the key lines here. Within Missouri, Community Bank of El Dorado Springs is 98th of 192 on net interest margin, 4.03% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Community Bank of El Dorado Springs reported 4.03% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 6.47% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $493K |
| Interest expense on deposits | $493K |
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 | 4.84% | 1.59% | 3.47% | 5.59% | 3.42% |
| Q4 2023 | 5.03% | 1.84% | 3.46% | 5.75% | 3.54% |
| Q1 2024 | 5.10% | 2.07% | 3.33% | 5.84% | 3.53% |
| Q2 2024 | 5.22% | 2.17% | 3.31% | 5.93% | 3.56% |
| Q3 2024 | 5.36% | 2.21% | 3.48% | 6.12% | 3.65% |
| Q4 2024 | 5.42% | 2.08% | 3.66% | 6.22% | 3.65% |
| Q1 2025 | 5.44% | 1.98% | 3.74% | 6.26% | 3.57% |
| Q2 2025 | 5.48% | 1.89% | 3.87% | 6.38% | 3.62% |
| Q3 2025 | 5.65% | 1.85% | 4.08% | 6.50% | 3.73% |
| Q4 2025 | 5.62% | 1.80% | 4.11% | 6.53% | 3.66% |
| Q1 2026 | 5.46% | 1.74% | 3.98% | 6.41% | 3.57% |
| Q2 2026 | 5.47% | 1.69% | 4.03% | 6.47% | 3.67% |
Community Bank of El Dorado Springs 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 of El Dorado Springs, 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 of El Dorado Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23551) · FFIEC NIC profile (RSSD 766052)