CNB 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.
Cost of borrowings rose 0.35 percentage points from Q1 2026 to Q2 2026, ending at 4.32% against 3.97%. It was the largest change among the key lines on this page. Within Pennsylvania, CNB Bank is 34th of 109 on net interest margin, 3.91% as of Q2 2026, above the middle of the field. CNB Bank reported 3.91% on net interest margin for Q2 2026, 0.20 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.31% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 4.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $102.0M |
| Total interest expense | $38.4M |
| Interest expense on deposits | $36.5M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.64% | 2.18% | 3.58% | 6.27% | 1.92% |
| Q4 2023 | 5.83% | 2.41% | 3.57% | 6.46% | 1.92% |
| Q1 2024 | 5.74% | 2.50% | 3.39% | 6.36% | 1.92% |
| Q2 2024 | 5.82% | 2.62% | 3.35% | 6.42% | 2.08% |
| Q3 2024 | 5.97% | 2.66% | 3.46% | 6.62% | 2.14% |
| Q4 2024 | 5.83% | 2.50% | 3.47% | 6.39% | 2.32% |
| Q1 2025 | 5.61% | 2.39% | 3.35% | 6.23% | 2.67% |
| Q2 2025 | 5.85% | 2.36% | 3.61% | 6.42% | 2.77% |
| Q3 2025 | 5.62% | 2.42% | 3.52% | 6.98% | 3.01% |
| Q4 2025 | 6.05% | 2.23% | 3.94% | 6.47% | 2.90% |
| Q1 2026 | 5.76% | 2.07% | 3.82% | 6.26% | 3.09% |
| Q2 2026 | 5.85% | 2.08% | 3.91% | 6.31% | 3.20% |
CNB 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 CNB 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 CNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13876) · FFIEC NIC profile (RSSD 399517)