Altoona First Savings 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 3.99%. Altoona First Savings Bank ranks 26th of 109 Pennsylvania banks on net interest margin, in the upper half at 3.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Altoona First Savings Bank reported 3.99% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 6.17% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.80% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.99% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.51% | 1.28% | 3.37% | 5.64% | 2.13% |
| Q4 2023 | 4.67% | 1.44% | 3.39% | 5.71% | 2.26% |
| Q1 2024 | 4.72% | 1.60% | 3.30% | 5.70% | 2.47% |
| Q2 2024 | 4.84% | 1.62% | 3.36% | 5.84% | 2.64% |
| Q3 2024 | 5.08% | 1.27% | 3.55% | 6.21% | 2.80% |
| Q4 2024 | 4.99% | 1.31% | 3.45% | 6.06% | 2.94% |
| Q1 2025 | 4.92% | 1.68% | 3.42% | 5.90% | 3.08% |
| Q2 2025 | 5.04% | 1.69% | 3.53% | 6.01% | 3.24% |
| Q3 2025 | 5.30% | 1.68% | 3.79% | 6.23% | 3.48% |
| Q4 2025 | 5.37% | 1.59% | 3.95% | 6.30% | 3.54% |
| Q1 2026 | 5.29% | 1.55% | 3.91% | 6.17% | 3.61% |
| Q2 2026 | 5.35% | 1.55% | 3.99% | 6.17% | 3.71% |
Altoona First Savings 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 Altoona First Savings 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 Altoona First Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27711) · FFIEC NIC profile (RSSD 777870)