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.
Cost of borrowings climbed 4.28 percentage points in Q2 2026, from 3.41% to 7.69%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Community State Bank is 120th of 323 on net interest margin, 3.92% as of Q2 2026. At 3.92%, Community State Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 6.78% |
| Yield on securities | 3.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.19% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | 7.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 | 5.24% | 1.56% | 3.77% | 5.86% | 3.51% |
| Q4 2023 | 5.78% | 1.87% | 4.05% | 6.60% | 3.53% |
| Q1 2024 | 5.37% | 2.07% | 3.45% | 6.04% | 3.55% |
| Q2 2024 | 5.77% | 2.23% | 3.70% | 6.60% | 3.57% |
| Q3 2024 | 5.91% | 2.36% | 3.73% | 6.72% | 3.59% |
| Q4 2024 | 5.87% | 2.39% | 3.66% | 6.70% | 3.64% |
| Q1 2025 | 5.81% | 2.19% | 3.79% | 6.56% | 3.64% |
| Q2 2025 | 6.02% | 2.22% | 3.99% | 6.86% | 3.68% |
| Q3 2025 | 6.01% | 2.17% | 4.01% | 6.90% | 3.68% |
| Q4 2025 | 5.61% | 2.14% | 3.63% | 6.27% | 3.73% |
| Q1 2026 | 5.98% | 2.12% | 4.01% | 6.68% | 3.73% |
| Q2 2026 | 5.98% | 2.19% | 3.92% | 6.78% | 3.82% |
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 23257) · FFIEC NIC profile (RSSD 987231)