Hamlin Bank and Trust Company: 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 standout move of Q2 2026 was in Cost of borrowings: 4.60 percentage points lower than in Q1 2026, at 0.00%. Hamlin Bank and Trust Company ranks 48th of 109 Pennsylvania banks on net interest margin, in the upper half at 3.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Hamlin Bank and Trust Company sits 0.35 points lower, at 3.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 6.03% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 4.29% | 0.95% | 3.56% | 5.08% | 3.01% |
| Q4 2023 | 4.51% | 1.31% | 3.49% | 5.12% | 3.46% |
| Q1 2024 | 4.44% | 1.61% | 3.20% | 5.22% | 3.03% |
| Q2 2024 | 4.69% | 1.68% | 3.40% | 5.30% | 3.38% |
| Q3 2024 | 4.75% | 1.84% | 3.35% | 5.44% | 3.31% |
| Q4 2024 | 4.78% | 1.91% | 3.32% | 5.51% | 3.21% |
| Q1 2025 | 4.78% | 1.85% | 3.37% | 5.60% | 3.06% |
| Q2 2025 | 4.92% | 1.85% | 3.49% | 5.68% | 3.43% |
| Q3 2025 | 4.98% | 1.96% | 3.48% | 5.79% | 3.24% |
| Q4 2025 | 5.00% | 1.98% | 3.48% | 5.89% | 3.24% |
| Q1 2026 | 4.98% | 1.94% | 3.48% | 6.00% | 3.22% |
| Q2 2026 | 5.08% | 1.93% | 3.60% | 6.03% | 3.34% |
Hamlin Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hamlin Bank and Trust Company, 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 Hamlin Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11113) · FFIEC NIC profile (RSSD 291611)