Community Bank of Marshall: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged down 0.10 percentage points between Q1 2026 and Q2 2026, to 3.16%. On net interest margin, Community Bank of Marshall is 19th from the bottom among 192 Missouri banks, 3.16% (Q2 2026). Community Bank of Marshall reported 3.16% on net interest margin for Q2 2026, 0.79 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.91% |
| Yield on loans | 6.38% |
| Yield on securities | 3.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 4.18% | 1.73% | 2.52% | 5.67% | 2.79% |
| Q4 2023 | 4.56% | 1.88% | 2.77% | 6.26% | 2.97% |
| Q1 2024 | 4.58% | 2.14% | 2.54% | 6.07% | 3.15% |
| Q2 2024 | 4.69% | 2.21% | 2.58% | 6.24% | 3.29% |
| Q3 2024 | 4.82% | 2.20% | 2.73% | 6.44% | 3.38% |
| Q4 2024 | 4.85% | 2.15% | 2.80% | 6.53% | 3.42% |
| Q1 2025 | 4.84% | 2.07% | 2.89% | 6.34% | 3.61% |
| Q2 2025 | 4.85% | 2.02% | 2.95% | 6.45% | 3.49% |
| Q3 2025 | 4.99% | 1.97% | 3.14% | 6.55% | 3.55% |
| Q4 2025 | 5.06% | 1.91% | 3.26% | 6.65% | 3.50% |
| Q1 2026 | 5.00% | 1.84% | 3.26% | 6.43% | 3.68% |
| Q2 2026 | 4.91% | 1.84% | 3.16% | 6.38% | 3.53% |
Community Bank of Marshall 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 Marshall, 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 Marshall profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22636) · FFIEC NIC profile (RSSD 706656)