Community Bank of Elmhurst: 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.
Cost of interest-bearing liabilities rose 0.29 percentage points from Q1 2026 to Q2 2026, ending at 2.20% against 1.91%. It was the largest change among the key lines on this page. Within Illinois, Community Bank of Elmhurst is 172nd of 323 on net interest margin, 3.64% 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 Elmhurst sits 0.31 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 6.54% |
| Yield on securities | 2.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 3.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 2.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $737K |
| Interest expense on deposits | $717K |
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 | 4.29% | 1.09% | 3.24% | 5.93% | 1.89% |
| Q4 2023 | 4.39% | 1.16% | 3.29% | 6.09% | 1.90% |
| Q1 2024 | 4.71% | 1.23% | 3.50% | 6.23% | 2.22% |
| Q2 2024 | 4.50% | 1.35% | 3.25% | 6.32% | 1.89% |
| Q3 2024 | 4.83% | 1.31% | 3.45% | 6.39% | 2.20% |
| Q4 2024 | 4.80% | 1.36% | 3.41% | 6.14% | 2.19% |
| Q1 2025 | 4.98% | 1.52% | 3.51% | 6.36% | 2.21% |
| Q2 2025 | 5.16% | 1.50% | 3.64% | 6.41% | 2.23% |
| Q3 2025 | 5.26% | 1.55% | 3.71% | 6.54% | 2.28% |
| Q4 2025 | 5.07% | 1.68% | 3.61% | 6.49% | 2.34% |
| Q1 2026 | 5.05% | 1.45% | 3.72% | 6.48% | 2.45% |
| Q2 2026 | 5.17% | 1.58% | 3.64% | 6.54% | 2.51% |
Community Bank of Elmhurst 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 Elmhurst, 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 Elmhurst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33805) · FFIEC NIC profile (RSSD 2044820)