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.
The standout move of Q2 2026 was in Yield on securities: 2.25 percentage points lower than in Q1 2026, at 9.02%. Community State Bank ranks 14th of 78 Arkansas banks on net interest margin, in the upper half at 4.53% (Q2 2026). Community State Bank reported 4.53% on net interest margin for Q2 2026, 0.65 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.35% |
| Yield on loans | 7.59% |
| Yield on securities | 9.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.01% |
| Cost of interest-bearing deposits | 3.60% |
| Cost of interest-bearing liabilities | 3.51% |
| Cost of borrowings | 1.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 3.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $592K |
| Interest expense on deposits | $589K |
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 | 6.70% | 2.06% | 4.83% | 6.88% | 2.84% |
| Q4 2023 | 7.13% | 2.74% | 4.67% | 7.45% | 1.52% |
| Q1 2024 | 7.56% | 3.14% | 4.69% | 7.68% | 1.61% |
| Q2 2024 | 7.45% | 3.32% | 4.36% | 7.76% | 3.43% |
| Q3 2024 | 8.07% | 3.43% | 4.84% | 8.45% | 1.83% |
| Q4 2024 | 7.91% | 3.25% | 4.95% | 8.20% | 3.92% |
| Q1 2025 | 7.37% | 3.24% | 4.35% | 7.70% | 2.09% |
| Q2 2025 | 7.72% | 3.27% | 4.70% | 8.08% | 11.30% |
| Q3 2025 | 7.81% | 3.46% | 4.54% | 8.00% | 2.44% |
| Q4 2025 | 7.70% | 3.33% | 4.58% | 8.02% | 10.53% |
| Q1 2026 | 7.27% | 3.14% | 4.30% | 7.59% | 11.27% |
| Q2 2026 | 7.35% | 3.01% | 4.53% | 7.59% | 9.02% |
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 5619) · FFIEC NIC profile (RSSD 378044)