Community Point 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.
Compared with Q1 2026, Total interest expense rose 3.2% in Q2 2026 to $1.7M, the biggest move on this page. Within Missouri, Community Point Bank is 142nd of 192 on net interest margin, 3.64% as of Q2 2026, below the middle of the field. Community Point Bank reported 3.64% on net interest margin for Q2 2026, 0.31 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.42% |
| Yield on loans | 7.04% |
| Yield on securities | 2.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.96% |
| Cost of interest-bearing deposits | 3.31% |
| Cost of interest-bearing liabilities | 3.34% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.6M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.47% | 2.29% | 3.30% | 6.20% | 2.34% |
| Q4 2023 | 5.63% | 2.47% | 3.29% | 6.30% | 2.69% |
| Q1 2024 | 5.74% | 2.79% | 3.07% | 6.53% | 1.81% |
| Q2 2024 | 6.06% | 2.93% | 3.27% | 6.83% | 2.55% |
| Q3 2024 | 6.23% | 2.86% | 3.46% | 6.98% | 2.62% |
| Q4 2024 | 6.38% | 3.02% | 3.51% | 7.11% | 2.63% |
| Q1 2025 | 6.37% | 3.00% | 3.49% | 7.11% | 2.59% |
| Q2 2025 | 6.46% | 2.95% | 3.66% | 7.20% | 2.69% |
| Q3 2025 | 6.63% | 2.93% | 3.84% | 7.31% | 2.77% |
| Q4 2025 | 6.71% | 2.90% | 3.96% | 7.36% | 2.83% |
| Q1 2026 | 6.49% | 2.95% | 3.67% | 7.11% | 2.92% |
| Q2 2026 | 6.42% | 2.96% | 3.64% | 7.04% | 2.91% |
Community Point 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 Point 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 Point Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14604) · FFIEC NIC profile (RSSD 527057)