Customers 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.
Compared with Q1 2026, Total interest expense rose 4.5% in Q2 2026 to $147.7M, the biggest move on this page. Customers Bank ranks 72nd of 109 Pennsylvania banks on net interest margin, in the lower half at 3.24% (Q2 2026). Customers Bank reported 3.24% on net interest margin for Q2 2026, 0.35 points below the 3.59% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.31% |
| Yield on securities | 4.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 3.52% |
| Cost of interest-bearing liabilities | 3.54% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.24% |
| Yield to cost spread | 2.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $266.1M |
| Total interest expense | $147.7M |
| Interest expense on deposits | $130.5M |
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 | 6.93% | 3.01% | 3.72% | 7.83% | 5.14% |
| Q4 2023 | 6.57% | 3.04% | 3.32% | 7.26% | 5.12% |
| Q1 2024 | 6.35% | 2.94% | 3.11% | 7.01% | 4.99% |
| Q2 2024 | 6.51% | 2.89% | 3.30% | 7.13% | 5.13% |
| Q3 2024 | 6.42% | 2.98% | 3.10% | 7.02% | 5.02% |
| Q4 2024 | 6.12% | 2.65% | 3.15% | 6.82% | 4.70% |
| Q1 2025 | 5.90% | 2.35% | 3.17% | 6.60% | 4.45% |
| Q2 2025 | 6.12% | 2.42% | 3.33% | 6.72% | 5.12% |
| Q3 2025 | 6.31% | 2.41% | 3.55% | 7.10% | 4.87% |
| Q4 2025 | 6.01% | 2.17% | 3.49% | 6.83% | 4.43% |
| Q1 2026 | 5.66% | 2.52% | 3.28% | 6.36% | 4.63% |
| Q2 2026 | 5.66% | 2.52% | 3.24% | 6.31% | 4.66% |
Customers 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 Customers 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 Customers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34444) · FFIEC NIC profile (RSSD 2354985)