Community First Bank, N.A.: 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 Net interest margin, which rose 0.13 percentage points to 3.66%. Within Ohio, Community First Bank, N.A. is 82nd of 156 on net interest margin, 3.66% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Community First Bank, N.A. sits 0.23 points lower, at 3.66% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.26% |
| Yield on loans | 5.31% |
| Yield on securities | 1.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.85% |
| Cost of interest-bearing deposits | 0.89% |
| Cost of interest-bearing liabilities | 0.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $451K |
| Total interest expense | $84K |
| Interest expense on deposits | $84K |
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 | 3.11% | 0.75% | 2.39% | 4.20% | 1.06% |
| Q4 2023 | 3.17% | 0.82% | 2.39% | 4.36% | 1.08% |
| Q1 2024 | 3.13% | 0.84% | 2.36% | 4.49% | 1.08% |
| Q2 2024 | 3.41% | 0.94% | 2.58% | 4.71% | 1.08% |
| Q3 2024 | 3.48% | 0.84% | 2.71% | 4.97% | 0.99% |
| Q4 2024 | 3.64% | 0.76% | 2.94% | 5.15% | 0.91% |
| Q1 2025 | 3.62% | 0.71% | 2.98% | 5.15% | 0.98% |
| Q2 2025 | 3.83% | 0.79% | 3.13% | 5.31% | 1.11% |
| Q3 2025 | 3.89% | 0.79% | 3.19% | 5.31% | 1.34% |
| Q4 2025 | 4.13% | 0.73% | 3.48% | 5.50% | 1.65% |
| Q1 2026 | 4.12% | 0.65% | 3.53% | 5.33% | 1.79% |
| Q2 2026 | 4.26% | 0.85% | 3.66% | 5.31% | 1.88% |
Community First Bank, N.A. 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, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6584) · FFIEC NIC profile (RSSD 579319)