Community Spirit 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.
Cost of borrowings climbed 0.80 percentage points in Q2 2026, from 3.20% to 4.00%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Community Spirit Bank is 14th of 93 on net interest margin, 4.72% 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 Spirit Bank sits 0.77 points higher, at 4.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.33% |
| Yield on loans | 7.70% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.72% |
| Yield to cost spread | 4.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $876K |
| Interest expense on deposits | $856K |
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 | 5.52% | 1.61% | 3.95% | 6.80% | 2.41% |
| Q4 2023 | 5.64% | 1.95% | 3.77% | 6.95% | 2.50% |
| Q1 2024 | 5.89% | 1.91% | 4.03% | 7.24% | 2.55% |
| Q2 2024 | 5.99% | 1.99% | 4.06% | 7.34% | 2.63% |
| Q3 2024 | 6.27% | 2.05% | 4.31% | 7.70% | 2.67% |
| Q4 2024 | 6.14% | 1.97% | 4.27% | 7.59% | 2.77% |
| Q1 2025 | 6.15% | 1.81% | 4.40% | 7.57% | 2.90% |
| Q2 2025 | 6.32% | 1.77% | 4.63% | 7.68% | 2.98% |
| Q3 2025 | 6.44% | 1.77% | 4.75% | 7.82% | 3.04% |
| Q4 2025 | 6.50% | 1.74% | 4.84% | 7.92% | 3.03% |
| Q1 2026 | 6.29% | 1.71% | 4.68% | 7.64% | 3.09% |
| Q2 2026 | 6.33% | 1.71% | 4.72% | 7.70% | 3.16% |
Community Spirit 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 Spirit 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 Spirit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 50) · FFIEC NIC profile (RSSD 470032)