Enterprise 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.
Total interest expense climbed 10.7% in Q2 2026, from $3.3M to $3.6M. It was the largest change from Q1 2026 among the key lines here. Enterprise Bank ranks 80th of 109 Pennsylvania banks on net interest margin, in the lower half at 2.96% (Q2 2026). Enterprise Bank reported 2.96% on net interest margin for Q2 2026, 0.99 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 6.71% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.11% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.14% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.96% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $3.6M |
| Interest expense on deposits | $3.0M |
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 |
|---|---|---|---|---|
| Q3 2023 | 6.00% | 2.47% | 3.65% | 6.12% |
| Q4 2023 | 5.92% | 2.65% | 3.38% | 6.02% |
| Q1 2024 | 6.00% | 2.84% | 3.28% | 6.12% |
| Q2 2024 | 5.88% | 2.97% | 3.04% | 5.96% |
| Q3 2024 | 6.27% | 3.16% | 3.26% | 6.46% |
| Q4 2024 | 6.82% | 3.12% | 3.82% | 7.39% |
| Q1 2025 | 6.18% | 3.06% | 3.18% | 6.75% |
| Q2 2025 | 6.25% | 3.12% | 3.20% | 6.73% |
| Q3 2025 | 7.43% | 3.00% | 4.46% | 8.42% |
| Q4 2025 | 6.12% | 2.91% | 3.23% | 6.86% |
| Q1 2026 | 6.13% | 2.93% | 3.26% | 6.86% |
| Q2 2026 | 5.98% | 3.11% | 2.96% | 6.71% |
Enterprise 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 Enterprise 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 Enterprise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34786) · FFIEC NIC profile (RSSD 2730431)