Bank of Bird-In-Hand: 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.36 percentage points to 5.60%. Bank of Bird-In-Hand ranks 66th of 109 Pennsylvania banks on net interest margin, in the lower half at 3.34% (Q2 2026). Bank of Bird-In-Hand reported 3.34% on net interest margin for Q2 2026, 0.37 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.06% |
| Yield on loans | 6.22% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.96% |
| Cost of interest-bearing deposits | 3.19% |
| Cost of interest-bearing liabilities | 3.23% |
| Cost of borrowings | 5.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $26.5M |
| Total interest expense | $12.4M |
| Interest expense on deposits | $12.0M |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.00% | 2.60% | 2.59% | 4.96% |
| Q4 2023 | 5.19% | 2.78% | 2.62% | 5.15% |
| Q1 2024 | 5.30% | 3.10% | 2.43% | 5.29% |
| Q2 2024 | 5.49% | 3.26% | 2.48% | 5.48% |
| Q3 2024 | 5.68% | 3.48% | 2.45% | 5.70% |
| Q4 2024 | 5.66% | 3.43% | 2.48% | 5.75% |
| Q1 2025 | 5.62% | 3.32% | 2.53% | 5.73% |
| Q2 2025 | 5.89% | 3.33% | 2.80% | 5.99% |
| Q3 2025 | 6.06% | 3.35% | 2.96% | 6.19% |
| Q4 2025 | 6.01% | 3.24% | 3.01% | 6.22% |
| Q1 2026 | 5.95% | 2.98% | 3.19% | 6.11% |
| Q2 2026 | 6.06% | 2.96% | 3.34% | 6.22% |
Bank of Bird-In-Hand yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bird-In-Hand, 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 Bank of Bird-In-Hand profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59074) · FFIEC NIC profile (RSSD 4536084)