Community National Bank & Trust: 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.10% against 3.90%. It was the largest change among the key lines on this page. Community National Bank & Trust ranks 72nd of 182 Kansas banks on net interest margin, in the upper half at 4.10% (Q2 2026). Community National Bank & Trust reported 4.10% on net interest margin for Q2 2026, 0.39 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 7.25% |
| Yield on securities | 2.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 1.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.5M |
| Total interest expense | $11.0M |
| Interest expense on deposits | $10.7M |
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 | 4.81% | 2.15% | 2.98% | 6.15% | 1.76% |
| Q4 2023 | 5.08% | 2.38% | 3.06% | 6.45% | 1.79% |
| Q1 2024 | 5.25% | 2.67% | 3.01% | 6.67% | 1.81% |
| Q2 2024 | 5.43% | 2.76% | 3.10% | 6.83% | 1.81% |
| Q3 2024 | 5.66% | 2.85% | 3.16% | 7.11% | 1.87% |
| Q4 2024 | 5.74% | 2.80% | 3.35% | 7.13% | 1.88% |
| Q1 2025 | 5.62% | 2.62% | 3.38% | 7.00% | 1.91% |
| Q2 2025 | 5.84% | 2.53% | 3.68% | 7.20% | 1.95% |
| Q3 2025 | 5.95% | 2.50% | 3.80% | 7.38% | 2.08% |
| Q4 2025 | 5.98% | 2.34% | 3.98% | 7.33% | 2.11% |
| Q1 2026 | 5.81% | 2.25% | 3.90% | 7.18% | 2.10% |
| Q2 2026 | 5.93% | 2.16% | 4.10% | 7.25% | 2.13% |
Community National Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27046) · FFIEC NIC profile (RSSD 923752)