First United 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.22 percentage points to 3.07%. Within Pennsylvania, First United National Bank is 77th of 109 on net interest margin, 3.07% as of Q2 2026, below the middle of the field. First United National Bank reported 3.07% on net interest margin for Q2 2026, 0.88 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.26% |
| Yield on loans | 6.06% |
| Yield on securities | 1.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 3.38% | 1.21% | 2.22% | 4.86% | 1.57% |
| Q4 2023 | 3.56% | 1.40% | 2.22% | 4.99% | 1.72% |
| Q1 2024 | 3.49% | 1.58% | 1.99% | 5.03% | 1.51% |
| Q2 2024 | 3.69% | 1.54% | 2.21% | 5.20% | 1.67% |
| Q3 2024 | 3.77% | 1.64% | 2.21% | 5.41% | 1.57% |
| Q4 2024 | 3.89% | 1.62% | 2.35% | 5.47% | 1.57% |
| Q1 2025 | 3.78% | 1.47% | 2.38% | 5.45% | 1.59% |
| Q2 2025 | 3.97% | 1.48% | 2.58% | 5.58% | 1.57% |
| Q3 2025 | 4.03% | 1.43% | 2.67% | 5.73% | 1.57% |
| Q4 2025 | 4.19% | 1.45% | 2.83% | 5.96% | 1.60% |
| Q1 2026 | 4.11% | 1.34% | 2.85% | 5.83% | 1.65% |
| Q2 2026 | 4.26% | 1.27% | 3.07% | 6.06% | 1.65% |
First United 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 First United 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 First United National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7886) · FFIEC NIC profile (RSSD 127224)