First National Bank & Trust Company of Newtown: 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.
Compared with Q1 2026, Net interest margin rose 0.14 percentage points in Q2 2026 to 3.37%, the biggest move on this page. First National Bank & Trust Company of Newtown ranks 63rd of 109 Pennsylvania banks on net interest margin, in the lower half at 3.37% (Q2 2026). First National Bank & Trust Company of Newtown reported 3.37% on net interest margin for Q2 2026, 0.34 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.56% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.14% |
| Cost of interest-bearing deposits | 0.14% |
| Cost of interest-bearing liabilities | 0.41% |
| Cost of borrowings | 1.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.37% |
| Yield to cost spread | 3.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.7M |
| Total interest expense | $529K |
| Interest expense on deposits | $165K |
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 |
|---|---|---|---|
| Q3 2023 | 3.03% | 0.07% | 2.94% |
| Q4 2023 | 3.03% | 0.11% | 2.88% |
| Q1 2024 | 3.14% | 0.19% | 2.89% |
| Q2 2024 | 3.15% | 0.11% | 3.01% |
| Q3 2024 | 3.17% | 0.15% | 2.97% |
| Q4 2024 | 3.26% | 0.23% | 2.97% |
| Q1 2025 | 3.23% | 0.17% | 3.01% |
| Q2 2025 | 3.34% | 0.12% | 3.18% |
| Q3 2025 | 3.37% | 0.48% | 2.74% |
| Q4 2025 | 3.51% | 0.24% | 3.20% |
| Q1 2026 | 3.48% | 0.19% | 3.23% |
| Q2 2026 | 3.56% | 0.14% | 3.37% |
First National Bank & Trust Company of Newtown 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 National Bank & Trust Company of Newtown, 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 National Bank & Trust Company of Newtown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7658) · FFIEC NIC profile (RSSD 1007417)