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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 4.97% to 5.09%, the largest move among the key lines here. Within Texas, Community National Bank is 41st of 345 on net interest margin, 5.09% as of Q2 2026, above the middle of the field. Community National Bank reported 5.09% on net interest margin for Q2 2026, 1.38 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.09% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $28.7M |
| Total interest expense | $5.6M |
| Interest expense on deposits | $5.6M |
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 |
|---|---|---|---|
| Q3 2023 | 6.21% | 0.78% | 5.42% |
| Q4 2023 | 6.38% | 1.15% | 5.21% |
| Q1 2024 | 6.37% | 1.26% | 5.09% |
| Q2 2024 | 6.60% | 1.35% | 5.26% |
| Q3 2024 | 6.49% | 1.44% | 5.05% |
| Q4 2024 | 6.45% | 1.18% | 5.23% |
| Q1 2025 | 6.15% | 1.12% | 5.06% |
| Q2 2025 | 6.26% | 1.13% | 5.23% |
| Q3 2025 | 6.48% | 1.07% | 5.51% |
| Q4 2025 | 6.11% | 1.10% | 5.12% |
| Q1 2026 | 5.90% | 1.01% | 4.97% |
| Q2 2026 | 6.00% | 1.01% | 5.09% |
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 24897) · FFIEC NIC profile (RSSD 293053)