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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.24 percentage points to 2.87%. Community State Bank has the 20th lowest net interest margin of the 225 banks headquartered in Iowa, at 2.87% as of Q2 2026. Community State Bank reported 2.87% on net interest margin for Q2 2026, 1.00 points below the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.98% |
| Yield on loans | 7.06% |
| Yield on securities | 1.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.87% |
| Yield to cost spread | 2.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $248K |
| Total interest expense | $112K |
| Interest expense on deposits | $112K |
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 | 2.86% | 0.98% | 2.01% | 4.20% | 1.72% |
| Q4 2023 | 3.58% | 1.20% | 2.55% | 6.38% | 1.75% |
| Q1 2024 | 3.56% | 1.22% | 2.51% | 6.16% | 1.72% |
| Q2 2024 | 3.74% | 1.40% | 2.55% | 6.37% | 1.71% |
| Q3 2024 | 3.85% | 1.48% | 2.59% | 6.72% | 1.71% |
| Q4 2024 | 3.77% | 1.42% | 2.58% | 6.52% | 1.70% |
| Q1 2025 | 3.64% | 1.39% | 2.48% | 6.32% | 1.71% |
| Q2 2025 | 3.71% | 1.42% | 2.52% | 6.43% | 1.75% |
| Q3 2025 | 3.83% | 1.45% | 2.61% | 6.99% | 1.71% |
| Q4 2025 | 3.79% | 1.40% | 2.62% | 6.98% | 1.74% |
| Q1 2026 | 3.71% | 1.26% | 2.63% | 6.72% | 1.76% |
| Q2 2026 | 3.98% | 1.31% | 2.87% | 7.06% | 1.82% |
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 17551) · FFIEC NIC profile (RSSD 92144)