Ephrata National 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 0.22 percentage points from Q1 2026 to Q2 2026, ending at 3.82% against 3.60%. It was the largest change among the key lines on this page. Ephrata National Bank ranks 38th of 109 Pennsylvania banks on net interest margin, in the upper half at 3.82% (Q2 2026). At 3.82%, Ephrata National Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 5.85% |
| Yield on securities | 3.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.45% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 4.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.4M |
| Total interest expense | $7.9M |
| Interest expense on deposits | $6.6M |
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 | 4.35% | 1.43% | 3.03% | 4.85% | 2.97% |
| Q4 2023 | 4.40% | 1.68% | 2.89% | 4.94% | 3.00% |
| Q1 2024 | 4.56% | 1.72% | 2.95% | 5.08% | 3.01% |
| Q2 2024 | 4.69% | 1.77% | 3.05% | 5.22% | 3.03% |
| Q3 2024 | 4.83% | 1.89% | 3.03% | 5.36% | 3.11% |
| Q4 2024 | 4.86% | 1.95% | 3.03% | 5.41% | 3.66% |
| Q1 2025 | 4.84% | 1.76% | 3.17% | 5.39% | 3.66% |
| Q2 2025 | 4.95% | 1.75% | 3.29% | 5.51% | 3.68% |
| Q3 2025 | 5.07% | 1.77% | 3.40% | 5.62% | 3.79% |
| Q4 2025 | 5.05% | 1.66% | 3.48% | 5.68% | 3.57% |
| Q1 2026 | 4.96% | 1.44% | 3.60% | 5.61% | 3.35% |
| Q2 2026 | 5.19% | 1.45% | 3.82% | 5.85% | 3.36% |
Ephrata National 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 Ephrata National 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 Ephrata National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7493) · FFIEC NIC profile (RSSD 425911)