Community Financial Services 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 5.4% to $6.2M. Community Financial Services Bank ranks 84th of 119 Kentucky banks on net interest margin, in the lower half at 3.63% (Q2 2026). At 3.63%, Community Financial Services Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | 6.47% |
| Yield on securities | 2.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 4.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.6M |
| Total interest expense | $6.2M |
| Interest expense on deposits | $6.0M |
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 | 4.84% | 2.27% | 2.64% | 5.68% | 2.53% |
| Q4 2023 | 5.18% | 2.37% | 2.74% | 5.96% | 2.84% |
| Q1 2024 | 5.18% | 2.41% | 2.58% | 6.05% | 2.68% |
| Q2 2024 | 5.28% | 2.43% | 2.68% | 6.17% | 2.68% |
| Q3 2024 | 5.44% | 2.49% | 2.77% | 6.33% | 2.70% |
| Q4 2024 | 5.58% | 2.36% | 3.06% | 6.35% | 2.74% |
| Q1 2025 | 5.51% | 2.26% | 3.09% | 6.31% | 2.71% |
| Q2 2025 | 5.55% | 2.09% | 3.30% | 6.28% | 2.74% |
| Q3 2025 | 5.74% | 2.07% | 3.52% | 6.47% | 2.74% |
| Q4 2025 | 5.57% | 1.96% | 3.48% | 6.42% | 2.73% |
| Q1 2026 | 5.42% | 1.85% | 3.44% | 6.33% | 2.68% |
| Q2 2026 | 5.53% | 1.75% | 3.63% | 6.47% | 2.52% |
Community Financial Services 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 Financial Services 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 Financial Services Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 287) · FFIEC NIC profile (RSSD 698144)