Community First 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 3.8% to $1.8M. Within Wisconsin, Community First Bank is 64th of 153 on net interest margin, 3.94% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Community First Bank reported 3.94% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | 6.06% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.70% |
| Cost of borrowings | 2.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.5M |
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 | 4.33% | 1.40% | 3.09% | 5.28% | 2.47% |
| Q4 2023 | 4.47% | 1.52% | 3.15% | 5.45% | 2.42% |
| Q1 2024 | 4.62% | 1.66% | 3.17% | 5.59% | 2.50% |
| Q2 2024 | 4.75% | 1.65% | 3.31% | 5.74% | 2.50% |
| Q3 2024 | 4.91% | 1.75% | 3.34% | 5.96% | 2.64% |
| Q4 2024 | 4.92% | 1.63% | 3.48% | 6.01% | 2.66% |
| Q1 2025 | 4.86% | 1.55% | 3.47% | 5.88% | 2.70% |
| Q2 2025 | 4.91% | 1.54% | 3.57% | 6.10% | 2.83% |
| Q3 2025 | 4.95% | 1.49% | 3.65% | 6.14% | 2.94% |
| Q4 2025 | 5.01% | 1.40% | 3.79% | 6.15% | 3.00% |
| Q1 2026 | 5.00% | 1.33% | 3.82% | 6.06% | 3.05% |
| Q2 2026 | 5.11% | 1.30% | 3.94% | 6.06% | 3.15% |
Community First 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 First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11595) · FFIEC NIC profile (RSSD 175140)