Harleysville 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.
Total interest expense rose 2.7% from Q1 2026 to Q2 2026, ending at $3.8M against $3.7M. It was the largest change among the key lines on this page. Within Pennsylvania, Harleysville Bank is 61st of 109 on net interest margin, 3.40% as of Q2 2026, below the middle of the field. Harleysville Bank reported 3.40% on net interest margin for Q2 2026, 0.55 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 5.36% |
| Yield on securities | 3.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 1.53% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.40% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.7M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $2.3M |
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 | 4.31% | 0.88% | 3.49% | 4.70% | 2.76% |
| Q4 2023 | 4.47% | 1.33% | 3.24% | 4.85% | 2.78% |
| Q1 2024 | 4.48% | 1.55% | 3.04% | 4.83% | 2.79% |
| Q2 2024 | 4.04% | 1.69% | 2.67% | 4.25% | 2.79% |
| Q3 2024 | 4.66% | 1.89% | 2.92% | 5.03% | 2.77% |
| Q4 2024 | 4.67% | 1.86% | 2.96% | 5.05% | 2.67% |
| Q1 2025 | 4.66% | 1.71% | 3.11% | 5.02% | 2.69% |
| Q2 2025 | 4.87% | 1.66% | 3.31% | 5.25% | 2.96% |
| Q3 2025 | 4.92% | 1.77% | 3.29% | 5.27% | 3.37% |
| Q4 2025 | 4.97% | 1.79% | 3.32% | 5.30% | 3.58% |
| Q1 2026 | 4.93% | 1.71% | 3.35% | 5.27% | 3.70% |
| Q2 2026 | 5.00% | 1.73% | 3.40% | 5.36% | 3.77% |
Harleysville 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 Harleysville 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 Harleysville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31461) · FFIEC NIC profile (RSSD 139478)