Community Bank of Mississippi: 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.
Net interest margin rose 0.27 percentage points from Q1 2026 to Q2 2026, ending at 4.12% against 3.85%. It was the largest change among the key lines on this page. Within Mississippi, Community Bank of Mississippi is 22nd of 57 on net interest margin, 4.12% as of Q2 2026, above the middle of the field. Community Bank of Mississippi reported 4.12% on net interest margin for Q2 2026, 0.41 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.78% |
| Yield on loans | 7.13% |
| Yield on securities | 2.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | 0.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $61.4M |
| Total interest expense | $20.0M |
| Interest expense on deposits | $20.0M |
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% | 1.45% | 2.79% | 5.99% | 1.15% |
| Q4 2023 | 4.35% | 1.79% | 2.63% | 6.20% | 1.14% |
| Q1 2024 | 4.50% | 2.09% | 2.50% | 6.33% | 1.09% |
| Q2 2024 | 4.72% | 2.12% | 2.68% | 6.57% | 1.05% |
| Q3 2024 | 4.96% | 2.22% | 2.82% | 6.80% | 1.03% |
| Q4 2024 | 5.08% | 2.09% | 3.07% | 6.89% | 1.01% |
| Q1 2025 | 5.14% | 1.86% | 3.35% | 6.82% | 0.97% |
| Q2 2025 | 5.39% | 1.81% | 3.64% | 7.02% | 0.97% |
| Q3 2025 | 5.57% | 1.84% | 3.79% | 7.14% | 1.08% |
| Q4 2025 | 5.62% | 1.84% | 3.85% | 7.15% | 1.46% |
| Q1 2026 | 5.54% | 1.75% | 3.85% | 6.98% | 1.69% |
| Q2 2026 | 5.78% | 1.72% | 4.12% | 7.13% | 2.04% |
Community Bank of Mississippi 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 Mississippi, 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 Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8879) · FFIEC NIC profile (RSSD 460033)