Community Bank & Trust, Waco, Texas: 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 3.5% in Q2 2026 to $2.6M, the biggest move on this page. Community Bank & Trust, Waco, Texas ranks 282nd of 345 Texas banks on net interest margin, in the lower half at 3.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Community Bank & Trust, Waco, Texas sits 0.61 points lower, at 3.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.92% |
| Yield on loans | 6.63% |
| Yield on securities | 2.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.6M |
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 | 4.29% | 1.42% | 3.05% | 5.64% | 2.21% |
| Q4 2023 | 4.55% | 1.77% | 2.98% | 5.96% | 2.25% |
| Q1 2024 | 4.56% | 1.87% | 2.91% | 6.00% | 2.22% |
| Q2 2024 | 4.63% | 1.93% | 2.93% | 6.08% | 2.20% |
| Q3 2024 | 4.74% | 2.01% | 2.98% | 6.20% | 2.18% |
| Q4 2024 | 4.76% | 2.01% | 3.00% | 6.25% | 2.39% |
| Q1 2025 | 4.79% | 1.96% | 3.06% | 6.31% | 2.51% |
| Q2 2025 | 4.91% | 2.02% | 3.17% | 6.47% | 2.47% |
| Q3 2025 | 4.99% | 1.89% | 3.38% | 6.56% | 2.40% |
| Q4 2025 | 4.83% | 1.83% | 3.27% | 6.31% | 2.38% |
| Q1 2026 | 4.98% | 1.79% | 3.42% | 6.55% | 2.39% |
| Q2 2026 | 4.92% | 1.83% | 3.34% | 6.63% | 2.41% |
Community Bank & Trust, Waco, Texas 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, Waco, Texas, 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, Waco, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17108) · FFIEC NIC profile (RSSD 549862)