Community Commerce 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, Total interest expense edged up by 1.7%, from $3.2M to $3.3M, the largest move among the key lines here. Within California, Community Commerce Bank is 95th of 114 on net interest margin, 3.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Community Commerce Bank sits 0.75 points lower, at 3.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.64% |
| Yield on loans | 7.25% |
| Yield on securities | 1.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.86% |
| Cost of interest-bearing deposits | 3.91% |
| Cost of interest-bearing liabilities | 3.84% |
| Cost of borrowings | 3.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 2.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.1M |
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 | 6.27% | 3.54% | 3.12% | 6.70% | 3.97% |
| Q4 2023 | 6.31% | 3.93% | 2.98% | 6.75% | 3.78% |
| Q1 2024 | 6.63% | 4.06% | 3.10% | 7.15% | 3.60% |
| Q2 2024 | 6.68% | 4.20% | 2.97% | 7.18% | 3.10% |
| Q3 2024 | 7.04% | 4.32% | 3.25% | 7.67% | 1.40% |
| Q4 2024 | 6.73% | 4.30% | 2.98% | 7.29% | 1.43% |
| Q1 2025 | 6.62% | 4.15% | 2.99% | 7.25% | 1.38% |
| Q2 2025 | 6.74% | 4.12% | 3.12% | 7.35% | 1.41% |
| Q3 2025 | 6.65% | 4.00% | 3.13% | 7.26% | 1.45% |
| Q4 2025 | 6.76% | 3.97% | 3.26% | 7.42% | 1.39% |
| Q1 2026 | 6.59% | 3.84% | 3.17% | 7.20% | 1.43% |
| Q2 2026 | 6.64% | 3.86% | 3.19% | 7.25% | 1.37% |
Community Commerce 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 Community Commerce 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 Community Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26363) · FFIEC NIC profile (RSSD 299868)