Cottonwood Valley 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.
Yield on loans climbed 1.53 percentage points in Q2 2026, from 8.03% to 9.56%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Cottonwood Valley Bank is 7th from the bottom among 182 Kansas banks, 3.08% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Cottonwood Valley Bank sits 0.81 points lower, at 3.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.85% |
| Yield on loans | 9.56% |
| Yield on securities | 2.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.34% |
| Cost of interest-bearing liabilities | 1.34% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.08% |
| Yield to cost spread | 2.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $149K |
| Total interest expense | $73K |
| Interest expense on deposits | $73K |
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 | 2.73% | 0.62% | 2.17% | 6.56% | 1.90% |
| Q4 2023 | 2.53% | 0.70% | 1.89% | 6.43% | 1.46% |
| Q1 2024 | 2.84% | 0.75% | 2.15% | 6.74% | 1.97% |
| Q2 2024 | 2.97% | 0.83% | 2.24% | 6.79% | 2.13% |
| Q3 2024 | 2.94% | 0.90% | 2.13% | 7.27% | 1.87% |
| Q4 2024 | 3.10% | 0.79% | 2.39% | 7.35% | 1.75% |
| Q1 2025 | 3.02% | 0.88% | 2.23% | 6.50% | 2.20% |
| Q2 2025 | 3.61% | 0.81% | 2.92% | 7.32% | 2.33% |
| Q3 2025 | 3.70% | 0.84% | 2.97% | 7.63% | 2.36% |
| Q4 2025 | 3.41% | 0.94% | 2.59% | 8.19% | 1.81% |
| Q1 2026 | 3.71% | 0.87% | 2.95% | 8.03% | 2.48% |
| Q2 2026 | 3.85% | 0.89% | 3.08% | 9.56% | 2.40% |
Cottonwood Valley 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 Cottonwood Valley 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 Cottonwood Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17160) · FFIEC NIC profile (RSSD 921655)