Fleetwood 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 climbed 1.27 percentage points in Q2 2026, from 4.40% to 5.67%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Fleetwood Bank is 44th of 109 on net interest margin, 3.68% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Fleetwood Bank sits 0.27 points lower, at 3.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.41% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.75% |
| Cost of interest-bearing deposits | 0.92% |
| Cost of interest-bearing liabilities | 0.97% |
| Cost of borrowings | 5.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $718K |
| Interest expense on deposits | $674K |
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 | 3.55% | 0.78% | 2.80% |
| Q4 2023 | 3.60% | 0.99% | 2.64% |
| Q1 2024 | 3.73% | 1.17% | 2.60% |
| Q2 2024 | 3.84% | 1.21% | 2.67% |
| Q3 2024 | 3.94% | 1.15% | 2.83% |
| Q4 2024 | 3.93% | 1.08% | 2.89% |
| Q1 2025 | 3.91% | 0.91% | 3.02% |
| Q2 2025 | 4.10% | 0.89% | 3.24% |
| Q3 2025 | 4.22% | 0.84% | 3.42% |
| Q4 2025 | 4.16% | 0.79% | 3.40% |
| Q1 2026 | 4.29% | 0.84% | 3.49% |
| Q2 2026 | 4.41% | 0.75% | 3.68% |
Fleetwood 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 Fleetwood 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 Fleetwood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13561) · FFIEC NIC profile (RSSD 551016)