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 Cost of borrowings: 1.25 percentage points lower than in Q1 2026, at 3.87%. Community State Bank ranks 141st of 225 Iowa banks on net interest margin, in the lower half at 3.47% (Q2 2026). Community State Bank reported 3.47% on net interest margin for Q2 2026, 0.47 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 6.70% |
| Yield on securities | 3.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
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 | 4.37% | 1.25% | 3.21% | 5.86% | 2.95% |
| Q4 2023 | 4.45% | 1.40% | 3.17% | 5.88% | 2.99% |
| Q1 2024 | 4.20% | 1.52% | 2.88% | 5.77% | 2.69% |
| Q2 2024 | 4.71% | 1.74% | 3.12% | 6.39% | 3.05% |
| Q3 2024 | 4.68% | 1.82% | 3.03% | 6.20% | 3.07% |
| Q4 2024 | 4.82% | 1.70% | 3.26% | 6.47% | 3.09% |
| Q1 2025 | 4.76% | 1.60% | 3.28% | 6.33% | 3.17% |
| Q2 2025 | 4.87% | 1.68% | 3.34% | 6.54% | 3.22% |
| Q3 2025 | 4.97% | 1.70% | 3.42% | 6.67% | 3.27% |
| Q4 2025 | 4.96% | 1.71% | 3.39% | 6.62% | 3.39% |
| Q1 2026 | 4.86% | 1.75% | 3.25% | 6.44% | 3.45% |
| Q2 2026 | 5.00% | 1.67% | 3.47% | 6.70% | 3.57% |
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 230) · FFIEC NIC profile (RSSD 849348)