Community First National 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 rose 5.6% to $1.7M. Within Kansas, Community First National Bank is 71st of 182 on net interest margin, 4.12% 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 National Bank sits 0.17 points higher, at 4.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.94% |
| Yield on loans | 6.44% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 1.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 5.37% | 1.56% | 3.97% | 5.66% | 2.58% |
| Q4 2023 | 5.59% | 1.88% | 3.92% | 5.83% | 2.56% |
| Q1 2024 | 5.64% | 1.82% | 3.82% | 5.95% | 2.53% |
| Q2 2024 | 5.92% | 2.69% | 4.05% | 6.20% | 2.55% |
| Q3 2024 | 6.03% | 2.28% | 3.98% | 6.42% | 2.29% |
| Q4 2024 | 6.03% | 2.28% | 3.99% | 6.40% | 2.55% |
| Q1 2025 | 5.86% | 2.24% | 3.85% | 6.26% | 2.23% |
| Q2 2025 | 5.96% | 2.33% | 3.86% | 6.38% | 2.30% |
| Q3 2025 | 5.94% | 2.13% | 4.02% | 6.47% | 2.34% |
| Q4 2025 | 5.93% | 2.22% | 3.98% | 6.44% | 2.50% |
| Q1 2026 | 5.95% | 1.96% | 4.19% | 6.44% | 2.75% |
| Q2 2026 | 5.94% | 2.04% | 4.12% | 6.44% | 3.19% |
Community First National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35585) · FFIEC NIC profile (RSSD 2907019)