County Savings 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.
In Q2 2026, Net interest margin edged up by 0.04 percentage points, from 3.38% to 3.42%, the largest move among the key lines here. Within Pennsylvania, County Savings Bank is 59th of 109 on net interest margin, 3.42% as of Q2 2026, below the middle of the field. County Savings Bank reported 3.42% on net interest margin for Q2 2026, 0.47 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.20% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.82% |
| Cost of interest-bearing deposits | 0.97% |
| Cost of interest-bearing liabilities | 0.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $684K |
| Total interest expense | $168K |
| Interest expense on deposits | $168K |
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 |
|---|---|---|---|
| Q3 2023 | 3.32% | 0.29% | 3.05% |
| Q4 2023 | 3.35% | 0.47% | 2.90% |
| Q1 2024 | 3.47% | 0.59% | 2.90% |
| Q2 2024 | 3.62% | 0.70% | 2.95% |
| Q3 2024 | 3.73% | 0.84% | 2.93% |
| Q4 2024 | 3.80% | 0.81% | 3.03% |
| Q1 2025 | 3.82% | 0.81% | 3.05% |
| Q2 2025 | 3.89% | 0.78% | 3.15% |
| Q3 2025 | 4.01% | 0.79% | 3.26% |
| Q4 2025 | 4.10% | 0.81% | 3.34% |
| Q1 2026 | 4.15% | 0.82% | 3.38% |
| Q2 2026 | 4.20% | 0.82% | 3.42% |
County Savings 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 County Savings 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 County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29231) · FFIEC NIC profile (RSSD 658072)