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.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged down 0.24 percentage points between Q1 2026 and Q2 2026, to 6.29%. Within Iowa, Community Savings Bank is 139th of 225 on net interest margin, 3.51% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Community Savings Bank sits 0.44 points lower, at 3.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.29% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.4M |
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 | 4.78% | 1.93% | 2.98% | 5.48% | 2.97% |
| Q4 2023 | 4.99% | 2.19% | 2.94% | 5.75% | 3.00% |
| Q1 2024 | 5.09% | 2.36% | 2.89% | 5.87% | 2.96% |
| Q2 2024 | 5.11% | 2.36% | 2.92% | 5.86% | 2.95% |
| Q3 2024 | 5.21% | 2.43% | 2.95% | 5.98% | 2.98% |
| Q4 2024 | 5.30% | 2.42% | 3.05% | 6.09% | 2.98% |
| Q1 2025 | 5.28% | 2.36% | 3.08% | 6.04% | 3.01% |
| Q2 2025 | 5.38% | 2.32% | 3.22% | 6.16% | 2.99% |
| Q3 2025 | 5.48% | 2.37% | 3.29% | 6.30% | 3.05% |
| Q4 2025 | 5.45% | 2.29% | 3.34% | 6.28% | 3.20% |
| Q1 2026 | 5.60% | 2.13% | 3.63% | 6.53% | 3.40% |
| Q2 2026 | 5.48% | 2.12% | 3.51% | 6.29% | 3.52% |
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 14633) · FFIEC NIC profile (RSSD 646743)