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.
Compared with Q1 2026, Net interest margin rose 0.17 percentage points in Q2 2026 to 3.94%, the biggest move on this page. The Community Bank ranks 57th of 156 Ohio banks on net interest margin, in the upper half at 3.94% (Q2 2026). At 3.94%, The Community Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 6.37% |
| Yield on securities | 2.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.6M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 4.74% | 1.21% | 3.60% | 5.69% | 1.85% |
| Q4 2023 | 4.88% | 1.65% | 3.32% | 5.81% | 1.87% |
| Q1 2024 | 4.99% | 2.00% | 3.10% | 5.87% | 1.89% |
| Q2 2024 | 5.21% | 2.08% | 3.28% | 6.11% | 2.09% |
| Q3 2024 | 5.23% | 2.27% | 3.15% | 6.22% | 2.16% |
| Q4 2024 | 5.35% | 2.17% | 3.37% | 6.29% | 2.34% |
| Q1 2025 | 5.22% | 1.99% | 3.37% | 6.08% | 2.42% |
| Q2 2025 | 5.41% | 1.94% | 3.62% | 6.31% | 2.52% |
| Q3 2025 | 5.57% | 1.98% | 3.74% | 6.42% | 2.62% |
| Q4 2025 | 5.53% | 1.87% | 3.84% | 6.48% | 2.79% |
| Q1 2026 | 5.33% | 1.73% | 3.77% | 6.24% | 2.71% |
| Q2 2026 | 5.49% | 1.70% | 3.94% | 6.37% | 2.83% |
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 5981) · FFIEC NIC profile (RSSD 729011)