The Community Bank: 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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 3.66% to 3.76%, the largest move among the key lines here. The Community Bank ranks 116th of 182 Kansas banks on net interest margin, in the lower half at 3.76% (Q2 2026). The Community Bank reported 3.76% on net interest margin for Q2 2026, 0.19 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.05% |
| Yield on loans | 7.12% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $551K |
| Interest expense on deposits | $551K |
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 | 4.64% | 1.36% | 3.38% | 7.43% | 1.77% |
| Q4 2023 | 4.78% | 1.46% | 3.44% | 7.58% | 1.79% |
| Q1 2024 | 4.85% | 1.61% | 3.36% | 7.57% | 1.96% |
| Q2 2024 | 5.05% | 1.81% | 3.38% | 7.64% | 1.95% |
| Q3 2024 | 5.11% | 1.72% | 3.52% | 7.54% | 1.96% |
| Q4 2024 | 5.15% | 1.60% | 3.69% | 7.54% | 2.09% |
| Q1 2025 | 5.02% | 1.51% | 3.64% | 7.25% | 2.10% |
| Q2 2025 | 5.20% | 1.59% | 3.74% | 7.33% | 2.12% |
| Q3 2025 | 5.24% | 1.63% | 3.77% | 7.49% | 2.25% |
| Q4 2025 | 5.13% | 1.57% | 3.72% | 7.22% | 2.41% |
| Q1 2026 | 5.02% | 1.48% | 3.66% | 7.12% | 2.46% |
| Q2 2026 | 5.05% | 1.43% | 3.76% | 7.12% | 2.59% |
The Community Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Community Bank, 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 The Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34666) · FFIEC NIC profile (RSSD 2621940)