Community Bank of Raymore: 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 0.16 percentage points from Q1 2026 to Q2 2026, ending at 2.84% against 2.68%. It was the largest change among the key lines on this page. On net interest margin, Community Bank of Raymore is 5th from the bottom among 192 Missouri banks, 2.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Community Bank of Raymore sits 1.11 points lower, at 2.84% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.97% |
| Yield on loans | 6.49% |
| Yield on securities | 2.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.62% |
| Cost of interest-bearing liabilities | 1.62% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.84% |
| Yield to cost spread | 2.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| 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 | 3.68% | 1.36% | 2.45% | 7.03% | 2.17% |
| Q4 2023 | 3.55% | 1.49% | 2.27% | 5.78% | 2.17% |
| Q1 2024 | 3.89% | 1.63% | 2.41% | 7.14% | 2.23% |
| Q2 2024 | 3.89% | 1.56% | 2.45% | 7.11% | 2.22% |
| Q3 2024 | 3.98% | 1.49% | 2.55% | 7.43% | 2.24% |
| Q4 2024 | 3.89% | 1.44% | 2.56% | 7.19% | 2.24% |
| Q1 2025 | 3.81% | 1.50% | 2.46% | 6.58% | 2.29% |
| Q2 2025 | 3.97% | 1.38% | 2.66% | 6.80% | 2.31% |
| Q3 2025 | 3.98% | 1.26% | 2.71% | 6.87% | 2.36% |
| Q4 2025 | 3.90% | 1.20% | 2.75% | 6.75% | 2.32% |
| Q1 2026 | 3.84% | 1.24% | 2.68% | 6.37% | 2.40% |
| Q2 2026 | 3.97% | 1.21% | 2.84% | 6.49% | 2.52% |
Community Bank of Raymore 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 Raymore, 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 Raymore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22867) · FFIEC NIC profile (RSSD 716851)