Cfsbank: 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 rose 0.32 percentage points to 4.59%. Cfsbank has the 7th lowest net interest margin of the 109 banks headquartered in Pennsylvania, at 2.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Cfsbank sits 1.75 points lower, at 2.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.37% |
| Yield on loans | 5.00% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 4.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.19% |
| Yield to cost spread | 1.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.6M |
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 | 3.47% | 1.73% | 1.75% | 4.23% | 1.90% |
| Q4 2023 | 3.61% | 2.00% | 1.63% | 4.35% | 2.14% |
| Q1 2024 | 3.88% | 2.06% | 1.87% | 4.47% | 2.52% |
| Q2 2024 | 4.00% | 2.12% | 1.87% | 4.57% | 2.79% |
| Q3 2024 | 4.14% | 2.30% | 1.85% | 4.64% | 3.22% |
| Q4 2024 | 4.23% | 2.48% | 1.79% | 4.70% | 3.48% |
| Q1 2025 | 4.19% | 2.36% | 1.84% | 4.74% | 3.35% |
| Q2 2025 | 4.37% | 2.47% | 1.89% | 4.84% | 3.59% |
| Q3 2025 | 4.40% | 2.38% | 1.99% | 4.89% | 3.55% |
| Q4 2025 | 4.32% | 2.30% | 2.04% | 4.98% | 3.15% |
| Q1 2026 | 4.32% | 2.23% | 2.13% | 4.97% | 3.07% |
| Q2 2026 | 4.37% | 2.26% | 2.19% | 5.00% | 3.15% |
Cfsbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cfsbank, 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 Cfsbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29672) · FFIEC NIC profile (RSSD 100777)