Community Federal Savings 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.
Total interest expense climbed 18.1% in Q2 2026, from $1.5M to $1.8M. It was the largest change from Q1 2026 among the key lines here. Within New York, Community Federal Savings Bank is 33rd of 105 on net interest margin, 3.92% as of Q2 2026, above the middle of the field. At 3.92%, Community Federal Savings Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.75% |
| Yield on loans | 5.85% |
| Yield on securities | 3.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.94% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 2.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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% | 1.08% | 4.24% | 5.25% | 2.31% |
| Q4 2023 | 5.45% | 1.17% | 4.08% | 5.16% | 2.51% |
| Q1 2024 | 5.44% | 1.47% | 4.09% | 5.24% | 3.46% |
| Q2 2024 | 5.45% | 1.23% | 4.23% | 5.30% | 3.81% |
| Q3 2024 | 5.53% | 1.20% | 4.38% | 5.58% | 3.68% |
| Q4 2024 | 5.17% | 0.86% | 4.32% | 5.68% | 3.85% |
| Q1 2025 | 4.96% | 0.57% | 4.41% | 5.78% | 3.98% |
| Q2 2025 | 4.95% | 0.84% | 4.22% | 5.65% | 3.88% |
| Q3 2025 | 5.10% | 0.98% | 4.25% | 5.76% | 4.06% |
| Q4 2025 | 4.85% | 0.80% | 4.12% | 5.83% | 4.00% |
| Q1 2026 | 4.68% | 0.80% | 3.94% | 5.63% | 3.86% |
| Q2 2026 | 4.75% | 0.94% | 3.92% | 5.85% | 3.72% |
Community Federal Savings 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 Federal Savings 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 Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57129) · FFIEC NIC profile (RSSD 3040418)