Community Bank of the South: 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.
Compared with Q1 2026, Net interest margin rose 0.23 percentage points in Q2 2026 to 3.15%, the biggest move on this page. Community Bank of the South ranks 67th of 79 Florida banks on net interest margin, in the lower half at 3.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Community Bank of the South sits 0.80 points lower, at 3.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.51% |
| Yield on loans | 6.42% |
| Yield on securities | 3.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $833K |
| Interest expense on deposits | $833K |
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 | 4.33% | 1.46% | 2.91% | 5.42% | 3.28% |
| Q4 2023 | 4.71% | 1.91% | 2.92% | 5.44% | 3.35% |
| Q1 2024 | 4.67% | 1.87% | 2.74% | 5.50% | 3.29% |
| Q2 2024 | 4.85% | 1.88% | 3.05% | 5.73% | 3.35% |
| Q3 2024 | 4.68% | 1.94% | 2.81% | 5.94% | 3.37% |
| Q4 2024 | 4.74% | 1.91% | 2.93% | 5.99% | 3.40% |
| Q1 2025 | 4.39% | 1.72% | 2.67% | 5.89% | 3.49% |
| Q2 2025 | 4.65% | 1.73% | 2.99% | 6.05% | 3.45% |
| Q3 2025 | 4.56% | 1.63% | 3.00% | 6.31% | 3.57% |
| Q4 2025 | 4.59% | 1.55% | 3.19% | 6.27% | 3.57% |
| Q1 2026 | 4.26% | 1.42% | 2.92% | 6.21% | 3.43% |
| Q2 2026 | 4.51% | 1.44% | 3.15% | 6.42% | 3.41% |
Community Bank of the South 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 the South, 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 the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35212) · FFIEC NIC profile (RSSD 2860039)