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, Yield on securities edged up by 0.17 percentage points, from 2.93% to 3.10%, the largest move among the key lines here. Within Texas, The Community Bank is 169th of 345 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Community Bank sits 0.20 points higher, at 4.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 7.51% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $825K |
| Interest expense on deposits | $825K |
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 | 5.38% | 1.04% | 4.37% | 6.79% | 2.40% |
| Q4 2023 | 5.57% | 1.33% | 4.29% | 7.02% | 2.42% |
| Q1 2024 | 5.72% | 1.63% | 4.15% | 7.29% | 2.38% |
| Q2 2024 | 5.99% | 1.67% | 4.40% | 7.57% | 2.36% |
| Q3 2024 | 6.15% | 1.77% | 4.48% | 7.81% | 2.34% |
| Q4 2024 | 6.19% | 1.71% | 4.55% | 7.84% | 2.45% |
| Q1 2025 | 6.18% | 1.70% | 4.56% | 7.82% | 2.43% |
| Q2 2025 | 6.37% | 1.83% | 4.64% | 8.09% | 2.46% |
| Q3 2025 | 6.31% | 1.93% | 4.48% | 7.91% | 2.59% |
| Q4 2025 | 6.20% | 1.98% | 4.33% | 7.99% | 2.73% |
| Q1 2026 | 5.89% | 1.89% | 4.09% | 7.52% | 2.93% |
| Q2 2026 | 5.83% | 1.78% | 4.15% | 7.51% | 3.10% |
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 58517) · FFIEC NIC profile (RSSD 3479018)