Community Neighbor 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 Yield on loans, which fell 0.32 percentage points to 8.06%. Within Alabama, Community Neighbor Bank is 22nd of 93 on net interest margin, 4.53% 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 Neighbor Bank sits 0.58 points higher, at 4.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | 8.06% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $680K |
| Interest expense on deposits | $680K |
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 | 5.66% | 1.42% | 4.29% | 7.36% | 2.40% |
| Q4 2023 | 5.99% | 1.60% | 4.44% | 7.66% | 2.49% |
| Q1 2024 | 6.06% | 1.71% | 4.41% | 7.71% | 2.51% |
| Q2 2024 | 6.25% | 1.90% | 4.39% | 7.87% | 3.01% |
| Q3 2024 | 6.34% | 1.93% | 4.48% | 8.01% | 3.35% |
| Q4 2024 | 6.40% | 1.83% | 4.63% | 8.07% | 3.32% |
| Q1 2025 | 6.28% | 1.68% | 4.64% | 8.30% | 3.11% |
| Q2 2025 | 6.51% | 1.65% | 4.91% | 8.48% | 3.03% |
| Q3 2025 | 6.45% | 1.66% | 4.85% | 8.19% | 3.16% |
| Q4 2025 | 6.49% | 1.59% | 4.93% | 8.41% | 3.15% |
| Q1 2026 | 6.14% | 1.55% | 4.64% | 8.38% | 3.22% |
| Q2 2026 | 6.04% | 1.56% | 4.53% | 8.06% | 3.26% |
Community Neighbor 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 Neighbor 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 Neighbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2787) · FFIEC NIC profile (RSSD 466932)