Atlantic Community Bankers 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, Total interest expense rose 6.4% in Q2 2026 to $5.3M, the biggest move on this page. Within Pennsylvania, Atlantic Community Bankers Bank is 82nd of 109 on net interest margin, 2.91% as of Q2 2026, below the middle of the field. Atlantic Community Bankers Bank reported 2.91% on net interest margin for Q2 2026, 1.04 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.18% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.69% |
| Cost of interest-bearing deposits | 4.24% |
| Cost of interest-bearing liabilities | 4.12% |
| Cost of borrowings | 3.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.91% |
| Yield to cost spread | 1.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.0M |
| Total interest expense | $5.3M |
| Interest expense on deposits | $3.5M |
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 |
|---|---|---|---|
| Q3 2023 | 5.34% | 2.92% | 2.67% |
| Q4 2023 | 5.61% | 3.26% | 2.73% |
| Q1 2024 | 5.76% | 3.34% | 2.77% |
| Q2 2024 | 5.64% | 3.52% | 2.58% |
| Q3 2024 | 5.81% | 3.58% | 2.60% |
| Q4 2024 | 5.71% | 3.31% | 2.83% |
| Q1 2025 | 5.32% | 3.08% | 2.72% |
| Q2 2025 | 5.66% | 3.17% | 2.91% |
| Q3 2025 | 5.64% | 3.34% | 2.78% |
| Q4 2025 | 5.43% | 3.08% | 2.82% |
| Q1 2026 | 5.22% | 2.60% | 3.01% |
| Q2 2026 | 5.18% | 2.69% | 2.91% |
Atlantic Community Bankers 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 Atlantic Community Bankers 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 Atlantic Community Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24829) · FFIEC NIC profile (RSSD 959715)