Community 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.
Total interest expense fell 5.8% from Q1 2026 to Q2 2026, ending at $4.6M against $4.9M. It was the largest change among the key lines on this page. Within Vermont, Community National Bank is 5th of 12 on net interest margin, 3.94% as of Q2 2026, above the middle of the field. Community National Bank reported 3.94% on net interest margin for Q2 2026, 0.23 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.03% |
| Yield on securities | 2.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 3.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.7M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $4.0M |
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 | 4.68% | 1.45% | 3.39% | 5.37% | 1.98% |
| Q4 2023 | 4.84% | 1.50% | 3.51% | 5.53% | 2.07% |
| Q1 2024 | 4.85% | 1.80% | 3.27% | 5.52% | 2.07% |
| Q2 2024 | 4.94% | 2.06% | 3.16% | 5.59% | 2.07% |
| Q3 2024 | 5.14% | 2.11% | 3.32% | 5.80% | 2.06% |
| Q4 2024 | 5.16% | 1.99% | 3.39% | 5.79% | 2.07% |
| Q1 2025 | 5.12% | 1.81% | 3.44% | 5.71% | 2.14% |
| Q2 2025 | 5.28% | 1.77% | 3.63% | 5.84% | 2.33% |
| Q3 2025 | 5.44% | 1.76% | 3.81% | 5.99% | 2.38% |
| Q4 2025 | 5.42% | 1.72% | 3.81% | 6.03% | 2.38% |
| Q1 2026 | 5.38% | 1.73% | 3.77% | 5.98% | 2.36% |
| Q2 2026 | 5.48% | 1.68% | 3.94% | 6.03% | 2.32% |
Community 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 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6271) · FFIEC NIC profile (RSSD 270504)