First Commonwealth 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.
Cost of borrowings fell 0.43 percentage points from Q1 2026 to Q2 2026, ending at 2.93% against 3.35%. It was the largest change among the key lines on this page. Within Pennsylvania, First Commonwealth Bank is 24th of 109 on net interest margin, 4.00% as of Q2 2026. The median for banks in the $10B-100B asset tier is 3.59% on net interest margin. First Commonwealth Bank sits 0.41 points higher, at 4.00% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.61% |
| Yield on loans | 6.04% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.27% |
| Cost of borrowings | 2.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $140.6M |
| Total interest expense | $45.8M |
| Interest expense on deposits | $44.9M |
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 | 5.34% | 1.37% | 3.76% | 5.83% | 1.92% |
| Q4 2023 | 5.45% | 1.59% | 3.65% | 5.93% | 2.40% |
| Q1 2024 | 5.43% | 1.74% | 3.48% | 5.90% | 2.70% |
| Q2 2024 | 5.55% | 1.81% | 3.53% | 6.02% | 2.88% |
| Q3 2024 | 5.65% | 1.85% | 3.57% | 6.11% | 3.07% |
| Q4 2024 | 5.55% | 1.77% | 3.56% | 5.99% | 3.16% |
| Q1 2025 | 5.42% | 1.67% | 3.56% | 5.83% | 3.23% |
| Q2 2025 | 5.65% | 1.85% | 3.82% | 6.07% | 3.37% |
| Q3 2025 | 5.72% | 1.90% | 3.95% | 6.12% | 3.32% |
| Q4 2025 | 5.76% | 1.87% | 4.01% | 6.16% | 3.26% |
| Q1 2026 | 5.53% | 1.77% | 3.87% | 5.94% | 3.24% |
| Q2 2026 | 5.61% | 1.73% | 4.00% | 6.04% | 3.40% |
First Commonwealth 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 First Commonwealth 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 First Commonwealth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7468) · FFIEC NIC profile (RSSD 42420)