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 Yield on securities, which rose 0.26 percentage points to 3.92%. Within Louisiana, Community First Bank is 40th of 103 on net interest margin, 4.41% 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 sits 0.46 points higher, at 4.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | 6.51% |
| Yield on securities | 3.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.8M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 5.17% | 1.44% | 3.79% | 6.13% | 2.18% |
| Q4 2023 | 5.33% | 1.80% | 3.62% | 6.27% | 2.23% |
| Q1 2024 | 5.46% | 1.72% | 3.82% | 6.20% | 2.48% |
| Q2 2024 | 5.58% | 1.77% | 3.97% | 6.29% | 2.50% |
| Q3 2024 | 5.87% | 1.58% | 4.38% | 6.49% | 2.48% |
| Q4 2024 | 5.75% | 1.53% | 4.32% | 6.35% | 2.60% |
| Q1 2025 | 5.66% | 1.48% | 4.25% | 6.27% | 2.97% |
| Q2 2025 | 5.78% | 1.57% | 4.29% | 6.42% | 3.48% |
| Q3 2025 | 5.83% | 1.56% | 4.36% | 6.44% | 3.57% |
| Q4 2025 | 5.80% | 1.52% | 4.38% | 6.48% | 3.65% |
| Q1 2026 | 5.62% | 1.40% | 4.31% | 6.39% | 3.66% |
| Q2 2026 | 5.72% | 1.41% | 4.41% | 6.51% | 3.92% |
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 35020) · FFIEC NIC profile (RSSD 2775179)