Community State 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.
In Q2 2026, Yield on loans edged up by 0.11 percentage points, from 6.18% to 6.29%, the largest move among the key lines here. Community State Bank ranks 52nd of 87 Indiana banks on net interest margin, in the lower half at 3.52% (Q2 2026). Community State Bank reported 3.52% on net interest margin for Q2 2026, 0.43 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 6.29% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.53% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $901K |
| Interest expense on deposits | $802K |
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 | 5.07% | 2.01% | 3.33% | 5.41% | 2.87% |
| Q4 2023 | 5.11% | 2.42% | 3.04% | 5.40% | 2.85% |
| Q1 2024 | 5.19% | 2.37% | 2.94% | 5.49% | 2.83% |
| Q2 2024 | 5.35% | 2.75% | 2.73% | 5.65% | 2.94% |
| Q3 2024 | 5.52% | 3.10% | 2.57% | 5.81% | 2.95% |
| Q4 2024 | 5.61% | 2.97% | 2.79% | 5.94% | 2.94% |
| Q1 2025 | 5.48% | 2.65% | 2.97% | 5.85% | 3.06% |
| Q2 2025 | 5.66% | 2.56% | 3.22% | 6.03% | 3.12% |
| Q3 2025 | 5.80% | 2.66% | 3.27% | 6.15% | 3.16% |
| Q4 2025 | 5.90% | 2.65% | 3.42% | 6.25% | 3.21% |
| Q1 2026 | 5.83% | 2.49% | 3.48% | 6.18% | 3.22% |
| Q2 2026 | 5.92% | 2.53% | 3.52% | 6.29% | 3.21% |
Community State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8067) · FFIEC NIC profile (RSSD 322449)