First Keystone Community 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.27 percentage points to 2.88%. First Keystone Community Bank ranks 83rd of 109 Pennsylvania banks on net interest margin, in the lower half at 2.88% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First Keystone Community Bank sits 0.83 points lower, at 2.88% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | 6.15% |
| Yield on securities | 3.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 2.77% |
| Cost of interest-bearing liabilities | 3.11% |
| Cost of borrowings | 4.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.88% |
| Yield to cost spread | 2.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.4M |
| Total interest expense | $9.2M |
| Interest expense on deposits | $6.5M |
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 | 4.58% | 2.42% | 2.31% | 5.02% | 3.48% |
| Q4 2023 | 4.85% | 2.67% | 2.34% | 5.18% | 4.06% |
| Q1 2024 | 4.98% | 2.88% | 2.28% | 5.30% | 4.23% |
| Q2 2024 | 5.11% | 2.91% | 2.40% | 5.40% | 4.43% |
| Q3 2024 | 5.30% | 3.05% | 2.45% | 5.68% | 4.42% |
| Q4 2024 | 5.33% | 2.97% | 2.55% | 5.84% | 4.19% |
| Q1 2025 | 5.28% | 2.84% | 2.64% | 5.78% | 4.10% |
| Q2 2025 | 5.43% | 2.81% | 2.82% | 5.99% | 4.08% |
| Q3 2025 | 5.43% | 2.92% | 2.70% | 6.12% | 4.08% |
| Q4 2025 | 5.41% | 2.89% | 2.71% | 6.12% | 4.07% |
| Q1 2026 | 5.20% | 2.76% | 2.61% | 6.01% | 3.82% |
| Q2 2026 | 5.31% | 2.60% | 2.88% | 6.15% | 3.87% |
First Keystone Community 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 Keystone Community 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 Keystone Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7404) · FFIEC NIC profile (RSSD 790918)