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, Total interest expense rose 4.9% in Q2 2026 to $2.5M, the biggest move on this page. Community State Bank ranks 42nd of 87 Indiana banks on net interest margin, in the upper half at 3.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Community State Bank sits 0.26 points lower, at 3.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.17% |
| Yield on securities | 3.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 5.35% | 2.02% | 3.39% | 5.62% | 2.84% |
| Q4 2023 | 5.55% | 2.22% | 3.39% | 5.78% | 3.05% |
| Q1 2024 | 5.75% | 2.23% | 3.60% | 6.04% | 2.96% |
| Q2 2024 | 5.81% | 2.39% | 3.51% | 6.11% | 2.98% |
| Q3 2024 | 5.87% | 2.47% | 3.51% | 6.20% | 2.96% |
| Q4 2024 | 5.70% | 2.38% | 3.43% | 6.13% | 3.01% |
| Q1 2025 | 5.58% | 2.28% | 3.46% | 6.03% | 3.04% |
| Q2 2025 | 5.73% | 2.26% | 3.63% | 6.22% | 3.12% |
| Q3 2025 | 5.91% | 2.19% | 3.85% | 6.40% | 3.22% |
| Q4 2025 | 5.62% | 2.18% | 3.59% | 6.38% | 3.29% |
| Q1 2026 | 5.43% | 1.91% | 3.66% | 6.11% | 3.53% |
| Q2 2026 | 5.48% | 1.93% | 3.68% | 6.17% | 3.72% |
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 14883) · FFIEC NIC profile (RSSD 502746)