Community Bank of Santa Maria: 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 up 0.06 percentage points between Q1 2026 and Q2 2026, to 4.45%. Community Bank of Santa Maria ranks 21st of 114 California banks on net interest margin, in the upper half at 4.45% (Q2 2026). Community Bank of Santa Maria reported 4.45% on net interest margin for Q2 2026, 0.50 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.18% |
| Yield on loans | 6.07% |
| Yield on securities | 2.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.80% |
| Cost of interest-bearing deposits | 1.21% |
| Cost of interest-bearing liabilities | 1.29% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.45% |
| Yield to cost spread | 3.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $718K |
| Interest expense on deposits | $653K |
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 | 4.19% | 0.49% | 3.73% | 5.45% | 2.00% |
| Q4 2023 | 4.43% | 0.57% | 3.90% | 5.77% | 2.02% |
| Q1 2024 | 4.44% | 0.63% | 3.85% | 5.74% | 2.04% |
| Q2 2024 | 4.58% | 0.91% | 3.74% | 5.89% | 2.03% |
| Q3 2024 | 4.71% | 0.96% | 3.83% | 6.02% | 2.03% |
| Q4 2024 | 4.71% | 0.87% | 3.92% | 6.00% | 2.04% |
| Q1 2025 | 4.66% | 0.84% | 3.88% | 5.87% | 2.04% |
| Q2 2025 | 4.88% | 0.91% | 4.03% | 6.08% | 2.03% |
| Q3 2025 | 5.05% | 0.90% | 4.22% | 6.22% | 2.04% |
| Q4 2025 | 5.08% | 0.83% | 4.31% | 6.21% | 2.12% |
| Q1 2026 | 5.11% | 0.78% | 4.39% | 6.00% | 2.24% |
| Q2 2026 | 5.18% | 0.80% | 4.45% | 6.07% | 2.35% |
Community Bank of Santa Maria 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 Santa Maria, 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 Santa Maria profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57073) · FFIEC NIC profile (RSSD 2997216)