Community First Bank of Indiana: 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 standout move of Q2 2026 was in Cost of borrowings: 2.02 percentage points lower than in Q1 2026, at 4.58%. As of Q2 2026, Community First Bank of Indiana ranks first in Indiana on net interest margin among 87 banks, at 6.94%. Community First Bank of Indiana's net interest margin of 6.94% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.99 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 9.48% |
| Yield on loans | 9.94% |
| Yield on securities | 4.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.68% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | 4.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.94% |
| Yield to cost spread | 6.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.0M |
| Total interest expense | $5.6M |
| Interest expense on deposits | $5.0M |
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 | 9.08% | 3.73% | 5.77% | 9.54% | 3.10% |
| Q4 2023 | 8.10% | 2.24% | 6.07% | 8.34% | 4.00% |
| Q1 2024 | 8.36% | 3.01% | 5.54% | 8.69% | 4.48% |
| Q2 2024 | 9.32% | 3.13% | 6.36% | 9.74% | 4.32% |
| Q3 2024 | 9.64% | 3.24% | 6.63% | 10.03% | 4.41% |
| Q4 2024 | 10.10% | 3.01% | 7.27% | 10.52% | 4.35% |
| Q1 2025 | 9.19% | 2.80% | 6.52% | 9.61% | 4.60% |
| Q2 2025 | 9.76% | 2.95% | 7.06% | 10.12% | 4.66% |
| Q3 2025 | 9.99% | 2.96% | 7.34% | 10.47% | 4.72% |
| Q4 2025 | 9.46% | 2.88% | 6.85% | 9.90% | 4.91% |
| Q1 2026 | 9.09% | 2.74% | 6.53% | 9.60% | 4.73% |
| Q2 2026 | 9.48% | 2.68% | 6.94% | 9.94% | 4.75% |
Community First Bank of Indiana 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 of Indiana, 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 of Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57511) · FFIEC NIC profile (RSSD 3165357)