Commercial Bank & Trust of PA: 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 0.11 percentage points, from 3.82% to 3.93%, the largest move among the key lines here. Within Pennsylvania, Commercial Bank & Trust of PA is 32nd of 109 on net interest margin, 3.93% as of Q2 2026, above the middle of the field. At 3.93%, Commercial Bank & Trust of PA's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.14% |
| Yield on loans | 4.72% |
| Yield on securities | 3.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.16% |
| Cost of interest-bearing deposits | 0.10% |
| Cost of interest-bearing liabilities | 0.43% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $180K |
| Interest expense on deposits | $37K |
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 | 3.90% | 0.31% | 3.50% | 4.20% | 3.57% |
| Q4 2023 | 3.93% | 0.39% | 3.43% | 4.26% | 3.55% |
| Q1 2024 | 3.92% | 0.35% | 3.48% | 4.29% | 3.51% |
| Q2 2024 | 3.97% | 0.42% | 3.43% | 4.33% | 3.55% |
| Q3 2024 | 3.92% | 0.47% | 3.31% | 4.41% | 3.38% |
| Q4 2024 | 4.10% | 0.44% | 3.54% | 4.50% | 3.67% |
| Q1 2025 | 4.03% | 0.39% | 3.53% | 4.50% | 3.53% |
| Q2 2025 | 4.07% | 0.33% | 3.65% | 4.59% | 3.53% |
| Q3 2025 | 4.06% | 0.32% | 3.65% | 4.60% | 3.51% |
| Q4 2025 | 4.09% | 0.24% | 3.77% | 4.64% | 3.53% |
| Q1 2026 | 4.11% | 0.22% | 3.82% | 4.69% | 3.54% |
| Q2 2026 | 4.14% | 0.16% | 3.93% | 4.72% | 3.57% |
Commercial Bank & Trust of PA yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust of PA, 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 Commercial Bank & Trust of PA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14333) · FFIEC NIC profile (RSSD 945026)