CS 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.
Net interest margin rose 0.13 percentage points from Q1 2026 to Q2 2026, ending at 4.90% against 4.77%. It was the largest change among the key lines on this page. Within Arkansas, CS Bank is 8th of 78 on net interest margin, 4.90% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. CS Bank sits 0.96 points higher, at 4.90% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.06% |
| Yield on loans | 7.46% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.90% |
| Yield to cost spread | 4.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.8M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $2.6M |
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 | 6.42% | 1.83% | 4.68% | 6.86% | 2.10% |
| Q4 2023 | 6.58% | 2.16% | 4.55% | 7.03% | 2.06% |
| Q1 2024 | 6.61% | 2.40% | 4.33% | 7.05% | 2.01% |
| Q2 2024 | 6.88% | 2.53% | 4.47% | 7.37% | 1.64% |
| Q3 2024 | 7.03% | 2.62% | 4.54% | 7.49% | 2.28% |
| Q4 2024 | 7.17% | 2.63% | 4.66% | 7.76% | 2.25% |
| Q1 2025 | 7.04% | 2.55% | 4.61% | 7.63% | 3.16% |
| Q2 2025 | 7.15% | 2.49% | 4.81% | 7.72% | 2.59% |
| Q3 2025 | 7.26% | 2.49% | 4.92% | 7.78% | 2.71% |
| Q4 2025 | 7.12% | 2.46% | 4.83% | 7.67% | 2.68% |
| Q1 2026 | 6.96% | 2.34% | 4.77% | 7.43% | 2.78% |
| Q2 2026 | 7.06% | 2.37% | 4.90% | 7.46% | 2.89% |
CS 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 CS 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 CS Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5635) · FFIEC NIC profile (RSSD 514048)