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 6.6% from Q1 2026 to Q2 2026, ending at $3.1M against $3.3M. It was the largest change among the key lines on this page. Community National Bank ranks 149th of 182 Kansas banks on net interest margin, in the lower half at 3.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Community National Bank sits 0.54 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.71% |
| Yield on securities | 3.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.69% |
| Cost of borrowings | 3.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.5M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $2.9M |
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 | 4.24% | 1.71% | 2.68% | 5.84% | 2.92% |
| Q4 2023 | 4.42% | 1.97% | 2.61% | 6.16% | 2.91% |
| Q1 2024 | 4.44% | 2.13% | 2.50% | 6.17% | 2.89% |
| Q2 2024 | 4.50% | 2.21% | 2.46% | 6.27% | 2.83% |
| Q3 2024 | 4.76% | 2.26% | 2.67% | 6.60% | 2.91% |
| Q4 2024 | 4.67% | 2.15% | 2.71% | 6.60% | 2.76% |
| Q1 2025 | 4.52% | 1.97% | 2.76% | 6.45% | 2.53% |
| Q2 2025 | 4.81% | 1.94% | 2.96% | 6.49% | 2.81% |
| Q3 2025 | 5.22% | 1.89% | 3.42% | 7.25% | 2.83% |
| Q4 2025 | 4.83% | 1.78% | 3.16% | 6.62% | 2.78% |
| Q1 2026 | 4.91% | 1.70% | 3.22% | 6.45% | 2.93% |
| Q2 2026 | 4.94% | 1.61% | 3.41% | 6.71% | 3.06% |
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 25665) · FFIEC NIC profile (RSSD 354552)