Community Bank of Memphis: 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.35 percentage points to 3.00%. Within Missouri, Community Bank of Memphis is 168th of 192 on net interest margin, 3.33% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Community Bank of Memphis sits 0.56 points lower, at 3.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.65% |
| Yield on loans | 6.66% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $414K |
| Total interest expense | $202K |
| Interest expense on deposits | $202K |
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 | 3.85% | 0.86% | 3.08% | 5.70% | 1.38% |
| Q4 2023 | 3.92% | 1.00% | 3.02% | 5.75% | 1.26% |
| Q1 2024 | 3.96% | 1.06% | 3.01% | 5.80% | 1.31% |
| Q2 2024 | 4.04% | 1.21% | 2.98% | 5.93% | 1.29% |
| Q3 2024 | 4.26% | 1.42% | 2.97% | 6.18% | 1.26% |
| Q4 2024 | 4.35% | 1.47% | 3.04% | 6.25% | 1.45% |
| Q1 2025 | 4.33% | 1.39% | 3.01% | 6.24% | 1.60% |
| Q2 2025 | 4.50% | 1.41% | 3.20% | 6.47% | 1.79% |
| Q3 2025 | 4.69% | 1.40% | 3.41% | 6.70% | 2.01% |
| Q4 2025 | 4.68% | 1.37% | 3.47% | 6.70% | 2.34% |
| Q1 2026 | 4.54% | 1.41% | 3.26% | 6.50% | 2.65% |
| Q2 2026 | 4.65% | 1.48% | 3.33% | 6.66% | 3.00% |
Community Bank of Memphis 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 Memphis, 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 Memphis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35094) · FFIEC NIC profile (RSSD 2724766)