Central Penn Bank & Trust: 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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 4.20% to 4.30%, the largest move among the key lines here. Within Pennsylvania, Central Penn Bank & Trust is 14th of 109 on net interest margin, 4.30% as of Q2 2026, above the middle of the field. Central Penn Bank & Trust reported 4.30% on net interest margin for Q2 2026, 0.59 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | 6.53% |
| Yield on securities | 3.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.0M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.7M |
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 | 4.33% | 1.65% | 2.77% | 5.09% | 2.17% |
| Q4 2023 | 4.55% | 1.79% | 2.88% | 5.28% | 2.44% |
| Q1 2024 | 4.67% | 1.87% | 2.94% | 5.31% | 2.81% |
| Q2 2024 | 4.81% | 1.89% | 3.04% | 5.46% | 2.83% |
| Q3 2024 | 5.01% | 1.95% | 3.19% | 5.65% | 2.89% |
| Q4 2024 | 5.09% | 2.01% | 3.24% | 5.75% | 3.00% |
| Q1 2025 | 5.18% | 1.98% | 3.34% | 5.77% | 3.06% |
| Q2 2025 | 5.34% | 2.08% | 3.47% | 5.92% | 3.04% |
| Q3 2025 | 6.02% | 1.70% | 4.13% | 6.39% | 4.29% |
| Q4 2025 | 6.07% | 1.83% | 4.34% | 6.64% | 4.19% |
| Q1 2026 | 5.83% | 1.63% | 4.20% | 6.46% | 3.78% |
| Q2 2026 | 5.88% | 1.60% | 4.30% | 6.53% | 3.80% |
Central Penn Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Penn Bank & Trust, 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 Central Penn Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10685) · FFIEC NIC profile (RSSD 779016)