Community Unity 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 Net interest margin: 0.91 percentage points higher than in Q1 2026, at 3.47%. Within Michigan, Community Unity Bank is 62nd of 72 on net interest margin, 3.47% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Community Unity Bank sits 0.47 points lower, at 3.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 7.19% |
| Yield on securities | 5.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.50% |
| Cost of interest-bearing deposits | 3.78% |
| Cost of interest-bearing liabilities | 3.78% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $697K |
| Interest expense on deposits | $697K |
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 | 5.49% | 3.83% | 5.34% | — | 5.89% |
| Q4 2023 | 5.71% | 3.49% | 5.23% | 6.44% | 5.81% |
| Q1 2024 | 5.85% | 3.97% | 4.77% | 6.73% | 5.68% |
| Q2 2024 | 6.04% | 4.39% | 4.01% | 6.47% | 5.89% |
| Q3 2024 | 6.27% | 4.32% | 3.93% | 6.81% | 5.70% |
| Q4 2024 | 6.21% | 3.99% | 3.72% | 6.82% | 5.64% |
| Q1 2025 | 6.12% | 3.76% | 3.58% | 6.86% | 5.23% |
| Q2 2025 | 6.11% | 3.62% | 3.52% | 6.82% | 5.16% |
| Q3 2025 | 6.27% | 3.72% | 3.52% | 6.93% | 5.20% |
| Q4 2025 | 6.00% | 3.75% | 3.12% | 6.82% | 5.42% |
| Q1 2026 | 5.35% | 3.54% | 2.56% | 6.16% | 5.18% |
| Q2 2026 | 6.27% | 3.50% | 3.47% | 7.19% | 5.20% |
Community Unity 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 Unity 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 Unity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59305) · FFIEC NIC profile (RSSD 5860740)