Community Bank & Trust Company: 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, Total interest expense rose 3.3% in Q2 2026 to $1.2M, the biggest move on this page. Community Bank & Trust Company ranks 115th of 225 Iowa banks on net interest margin, in the lower half at 3.66% (Q2 2026). Community Bank & Trust Company reported 3.66% on net interest margin for Q2 2026, 0.29 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 6.85% |
| Yield on securities | 2.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.32% | 1.44% | 2.91% | 5.98% | 1.81% |
| Q4 2023 | 4.28% | 1.50% | 2.80% | 5.88% | 1.82% |
| Q1 2024 | 4.35% | 1.55% | 2.82% | 6.06% | 1.82% |
| Q2 2024 | 5.00% | 1.66% | 3.39% | 7.02% | 1.93% |
| Q3 2024 | 4.82% | 1.80% | 3.08% | 6.67% | 2.06% |
| Q4 2024 | 4.94% | 1.76% | 3.23% | 6.88% | 2.13% |
| Q1 2025 | 4.93% | 1.59% | 3.38% | 6.76% | 2.10% |
| Q2 2025 | 5.04% | 1.68% | 3.42% | 6.91% | 2.07% |
| Q3 2025 | 5.20% | 1.67% | 3.59% | 6.99% | 2.06% |
| Q4 2025 | 5.13% | 1.73% | 3.46% | 6.89% | 2.05% |
| Q1 2026 | 5.19% | 1.59% | 3.64% | 6.78% | 2.06% |
| Q2 2026 | 5.22% | 1.62% | 3.66% | 6.85% | 2.10% |
Community Bank & Trust Company 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 & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23189) · FFIEC NIC profile (RSSD 1015841)