Highpoint Community 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.
Compared with Q1 2026, Net interest margin rose 0.24 percentage points in Q2 2026 to 3.52%, the biggest move on this page. Highpoint Community Bank ranks 61st of 72 Michigan banks on net interest margin, in the lower half at 3.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Highpoint Community Bank sits 0.42 points lower, at 3.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.90% |
| Yield on loans | 5.54% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.80% |
| Cost of borrowings | 1.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 4.32% | 1.04% | 3.19% | 4.54% | 2.48% |
| Q4 2023 | 4.69% | 1.21% | 3.38% | 4.68% | 2.50% |
| Q1 2024 | 4.47% | 1.29% | 3.06% | 4.75% | 2.53% |
| Q2 2024 | 4.91% | 1.30% | 3.49% | 4.94% | 2.47% |
| Q3 2024 | 4.66% | 1.35% | 3.20% | 5.15% | 2.42% |
| Q4 2024 | 4.93% | 1.28% | 3.55% | 5.22% | 2.47% |
| Q1 2025 | 4.54% | 1.21% | 3.21% | 5.20% | 2.53% |
| Q2 2025 | 4.89% | 1.19% | 3.61% | 5.37% | 2.61% |
| Q3 2025 | 4.82% | 1.29% | 3.43% | 5.48% | 2.68% |
| Q4 2025 | 4.95% | 1.32% | 3.52% | 5.55% | 2.96% |
| Q1 2026 | 4.68% | 1.32% | 3.28% | 5.47% | 3.00% |
| Q2 2026 | 4.90% | 1.30% | 3.52% | 5.54% | 3.04% |
Highpoint Community 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 Highpoint Community 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 Highpoint Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11407) · FFIEC NIC profile (RSSD 750341)