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.
Compared with Q1 2026, Net interest margin rose 0.26 percentage points in Q2 2026 to 3.87%, the biggest move on this page. Community State Bank ranks 119th of 191 Missouri banks on net interest margin, in the lower half at 3.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; Community State Bank reported 3.87% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 6.69% |
| Yield on securities | 3.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 3.46% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $599K |
| Interest expense on deposits | $532K |
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 | 4.79% | 1.78% | 3.18% | 5.96% | 1.89% |
| Q4 2023 | 4.82% | 1.91% | 3.07% | 6.05% | 1.89% |
| Q1 2024 | 4.97% | 2.19% | 2.98% | 6.26% | 1.92% |
| Q2 2024 | 5.07% | 2.15% | 3.16% | 6.32% | 1.98% |
| Q3 2024 | 5.30% | 2.15% | 3.39% | 6.57% | 2.05% |
| Q4 2024 | 5.41% | 2.03% | 3.61% | 6.66% | 2.15% |
| Q1 2025 | 5.37% | 2.07% | 3.47% | 6.45% | 2.48% |
| Q2 2025 | 5.63% | 2.07% | 3.65% | 6.58% | 2.69% |
| Q3 2025 | 5.66% | 2.18% | 3.68% | 6.73% | 2.73% |
| Q4 2025 | 5.64% | 2.14% | 3.75% | 6.67% | 2.86% |
| Q1 2026 | 5.47% | 2.09% | 3.61% | 6.53% | 3.08% |
| Q2 2026 | 5.71% | 2.05% | 3.87% | 6.69% | 3.29% |
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 22567) · FFIEC NIC profile (RSSD 367150)