1st Summit 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 0.15 percentage points from Q1 2026 to Q2 2026, ending at 2.69% against 2.54%. It was the largest change among the key lines on this page. 1st Summit Bank ranks 91st of 109 Pennsylvania banks on net interest margin, in the lower half at 2.69% (Q2 2026). 1st Summit Bank reported 2.69% on net interest margin for Q2 2026, 1.02 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 5.56% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | 4.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.69% |
| Yield to cost spread | 2.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.6M |
| Total interest expense | $7.5M |
| Interest expense on deposits | $5.3M |
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 | 3.92% | 2.02% | 1.88% | 4.91% | 2.57% |
| Q4 2023 | 4.03% | 2.23% | 1.78% | 5.03% | 2.66% |
| Q1 2024 | 4.01% | 2.35% | 1.64% | 5.14% | 2.47% |
| Q2 2024 | 4.04% | 2.35% | 1.66% | 5.14% | 2.49% |
| Q3 2024 | 4.18% | 2.46% | 1.70% | 5.40% | 2.47% |
| Q4 2024 | 4.59% | 2.35% | 2.23% | 5.37% | 3.42% |
| Q1 2025 | 4.28% | 2.21% | 2.05% | 5.20% | 3.03% |
| Q2 2025 | 4.40% | 2.14% | 2.25% | 5.37% | 2.98% |
| Q3 2025 | 4.62% | 2.23% | 2.39% | 5.48% | 3.22% |
| Q4 2025 | 4.62% | 2.17% | 2.46% | 5.53% | 3.21% |
| Q1 2026 | 4.60% | 2.02% | 2.54% | 5.36% | 3.30% |
| Q2 2026 | 4.77% | 2.04% | 2.69% | 5.56% | 3.34% |
1st Summit 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 1st Summit 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 1st Summit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8426) · FFIEC NIC profile (RSSD 526519)