Community State Bank of Orbisonia: 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 standout move of Q2 2026 was in Cost of borrowings: 4.10 percentage points higher than in Q1 2026, at 15.35%. Within Pennsylvania, Community State Bank of Orbisonia is 22nd of 109 on net interest margin, 4.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Community State Bank of Orbisonia reported 4.01% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 5.78% |
| Yield on securities | 2.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.32% |
| Cost of interest-bearing liabilities | 1.33% |
| Cost of borrowings | 15.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 4.76% | 1.33% | 3.54% | 5.40% | 2.13% |
| Q4 2023 | 4.85% | 1.44% | 3.52% | 5.49% | 2.20% |
| Q1 2024 | 4.84% | 1.60% | 3.37% | 5.48% | 2.21% |
| Q2 2024 | 4.98% | 1.58% | 3.48% | 5.60% | 2.23% |
| Q3 2024 | 5.04% | 1.58% | 3.55% | 5.66% | 2.23% |
| Q4 2024 | 5.05% | 1.48% | 3.65% | 5.64% | 2.21% |
| Q1 2025 | 4.99% | 1.31% | 3.74% | 5.59% | 2.07% |
| Q2 2025 | 5.06% | 1.29% | 3.84% | 5.68% | 2.37% |
| Q3 2025 | 5.16% | 1.29% | 3.95% | 5.77% | 2.21% |
| Q4 2025 | 5.22% | 1.30% | 3.99% | 5.80% | 2.26% |
| Q1 2026 | 5.07% | 1.19% | 3.95% | 5.68% | 2.29% |
| Q2 2026 | 5.15% | 1.20% | 4.01% | 5.78% | 2.48% |
Community State Bank of Orbisonia yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State Bank of Orbisonia, 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 Community State Bank of Orbisonia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16976) · FFIEC NIC profile (RSSD 121914)