Community Resource 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 Net interest margin, which rose 0.26 percentage points to 4.21%. Community Resource Bank ranks 88th of 221 Minnesota banks on net interest margin, in the upper half at 4.21% (Q2 2026). Community Resource Bank reported 4.21% on net interest margin for Q2 2026, 0.26 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.65% |
| Yield on loans | 6.62% |
| Yield on securities | 2.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | 4.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.8M |
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 | 5.10% | 1.90% | 3.34% | 5.65% | 2.04% |
| Q4 2023 | 5.19% | 2.04% | 3.31% | 5.67% | 2.05% |
| Q1 2024 | 5.28% | 2.11% | 3.34% | 5.82% | 2.04% |
| Q2 2024 | 5.36% | 2.21% | 3.32% | 5.84% | 2.03% |
| Q3 2024 | 5.61% | 2.33% | 3.46% | 6.14% | 2.01% |
| Q4 2024 | 5.66% | 2.26% | 3.59% | 6.19% | 1.96% |
| Q1 2025 | 5.58% | 2.12% | 3.62% | 6.07% | 1.69% |
| Q2 2025 | 6.43% | 2.03% | 4.63% | 7.63% | 2.04% |
| Q3 2025 | 5.26% | 1.64% | 3.76% | 6.41% | 1.38% |
| Q4 2025 | 5.62% | 1.65% | 4.11% | 6.62% | 2.14% |
| Q1 2026 | 5.40% | 1.58% | 3.95% | 6.40% | 2.35% |
| Q2 2026 | 5.65% | 1.59% | 4.21% | 6.62% | 2.62% |
Community Resource 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 Resource 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 Resource Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5219) · FFIEC NIC profile (RSSD 813853)