Elderton State 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.
Net interest margin rose 0.19 percentage points from Q1 2026 to Q2 2026, ending at 3.93% against 3.74%. It was the largest change among the key lines on this page. Within Pennsylvania, Elderton State Bank is 32nd of 109 on net interest margin, 3.93% as of Q2 2026, above the middle of the field. At 3.93%, Elderton State Bank'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 | 6.19% |
| Yield on loans | 6.57% |
| Yield on securities | 1.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.49% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.1M |
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 | 5.26% | 1.96% | 3.46% | 5.60% | 1.39% |
| Q4 2023 | 5.55% | 2.29% | 3.45% | 5.90% | 1.31% |
| Q1 2024 | 5.51% | 2.43% | 3.26% | 5.87% | 1.27% |
| Q2 2024 | 5.69% | 2.57% | 3.31% | 6.03% | 1.32% |
| Q3 2024 | 5.74% | 2.74% | 3.24% | 6.13% | 1.33% |
| Q4 2024 | 5.84% | 2.76% | 3.30% | 6.18% | 1.58% |
| Q1 2025 | 5.75% | 2.67% | 3.27% | 6.10% | 1.81% |
| Q2 2025 | 5.96% | 2.67% | 3.49% | 6.30% | 1.78% |
| Q3 2025 | 6.12% | 2.62% | 3.71% | 6.50% | 1.81% |
| Q4 2025 | 6.14% | 2.64% | 3.71% | 6.51% | 1.88% |
| Q1 2026 | 6.02% | 2.48% | 3.74% | 6.45% | 1.82% |
| Q2 2026 | 6.19% | 2.49% | 3.93% | 6.57% | 1.90% |
Elderton State 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 Elderton State 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 Elderton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12985) · FFIEC NIC profile (RSSD 282824)