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 securities edged up by 0.14 percentage points, from 3.19% to 3.33%, the largest move among the key lines here. Community State Bank ranks 22nd of 63 Colorado banks on net interest margin, in the upper half at 4.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Community State Bank sits 0.39 points higher, at 4.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.62% |
| Yield on loans | 7.30% |
| Yield on securities | 3.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.59% |
| Cost of interest-bearing deposits | 3.22% |
| Cost of interest-bearing liabilities | 3.19% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.94% | 1.79% | 4.35% | 7.09% | 1.89% |
| Q4 2023 | 6.26% | 1.95% | 4.54% | 7.39% | 1.94% |
| Q1 2024 | 6.45% | 2.41% | 4.31% | 7.55% | 2.03% |
| Q2 2024 | 6.69% | 2.65% | 4.32% | 7.79% | 1.90% |
| Q3 2024 | 6.79% | 2.91% | 4.22% | 7.77% | 2.01% |
| Q4 2024 | 6.99% | 2.90% | 4.46% | 7.96% | 2.29% |
| Q1 2025 | 6.84% | 2.72% | 4.40% | 7.75% | 2.40% |
| Q2 2025 | 6.81% | 2.68% | 4.42% | 7.71% | 2.65% |
| Q3 2025 | 6.77% | 2.69% | 4.41% | 7.71% | 2.74% |
| Q4 2025 | 6.82% | 2.70% | 4.45% | 7.64% | 3.03% |
| Q1 2026 | 6.61% | 2.60% | 4.29% | 7.38% | 3.19% |
| Q2 2026 | 6.62% | 2.59% | 4.33% | 7.30% | 3.33% |
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 58732) · FFIEC NIC profile (RSSD 3617856)