Cornerstone 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 0.23 percentage points to 3.40%. Cornerstone Bank ranks 150th of 182 Kansas banks on net interest margin, in the lower half at 3.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Cornerstone Bank sits 0.54 points lower, at 3.40% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 6.28% |
| Yield on securities | 5.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.07% |
| Cost of interest-bearing deposits | 3.39% |
| Cost of interest-bearing liabilities | 3.54% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.40% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $3.3M |
| 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 | 5.11% | 3.26% | 2.16% | 5.26% | 3.18% |
| Q4 2023 | 5.30% | 3.44% | 2.16% | 5.43% | 3.28% |
| Q1 2024 | 5.33% | 3.72% | 1.93% | 5.45% | 3.63% |
| Q2 2024 | 5.50% | 3.84% | 1.99% | 5.59% | 3.94% |
| Q3 2024 | 5.64% | 3.86% | 2.11% | 5.75% | 4.16% |
| Q4 2024 | 5.72% | 3.63% | 2.43% | 5.87% | 4.09% |
| Q1 2025 | 5.64% | 3.52% | 2.45% | 5.79% | 4.25% |
| Q2 2025 | 5.82% | 3.44% | 2.70% | 5.97% | 4.28% |
| Q3 2025 | 6.05% | 3.36% | 3.01% | 6.21% | 4.65% |
| Q4 2025 | 6.07% | 3.27% | 3.11% | 6.21% | 5.02% |
| Q1 2026 | 6.02% | 3.11% | 3.17% | 6.15% | 5.33% |
| Q2 2026 | 6.16% | 3.07% | 3.40% | 6.28% | 5.73% |
Cornerstone 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 Cornerstone 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 Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57250) · FFIEC NIC profile (RSSD 3027763)