Community Savings 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, Net interest margin rose 0.18 percentage points in Q2 2026 to 2.36%, the biggest move on this page. Community Savings Bank has the 7th lowest net interest margin of the 323 banks headquartered in Illinois, at 2.36% as of Q2 2026. Community Savings Bank reported 2.36% on net interest margin for Q2 2026, 1.59 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.98% |
| Yield on loans | 5.15% |
| Yield on securities | 2.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.83% |
| Cost of borrowings | 3.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.36% |
| Yield to cost spread | 2.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.6M |
| 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 | 3.07% | 1.49% | 1.74% | 4.37% | 1.43% |
| Q4 2023 | 3.17% | 1.83% | 1.55% | 4.46% | 1.45% |
| Q1 2024 | 3.29% | 2.06% | 1.43% | 4.54% | 1.47% |
| Q2 2024 | 3.43% | 2.17% | 1.48% | 4.68% | 1.45% |
| Q3 2024 | 3.42% | 2.30% | 1.35% | 4.76% | 1.49% |
| Q4 2024 | 3.48% | 2.24% | 1.45% | 4.81% | 1.53% |
| Q1 2025 | 3.51% | 2.01% | 1.70% | 4.84% | 1.57% |
| Q2 2025 | 3.62% | 1.95% | 1.86% | 4.91% | 1.62% |
| Q3 2025 | 3.72% | 1.94% | 1.98% | 4.99% | 1.79% |
| Q4 2025 | 3.82% | 1.93% | 2.08% | 4.97% | 2.03% |
| Q1 2026 | 3.81% | 1.81% | 2.18% | 4.99% | 2.14% |
| Q2 2026 | 3.98% | 1.81% | 2.36% | 5.15% | 2.25% |
Community Savings 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 Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28841) · FFIEC NIC profile (RSSD 520777)