The Honesdale 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 Total interest expense, which rose 3.7% to $4.5M. Among 109 Pennsylvania banks, The Honesdale National Bank sits 8th from the top on net interest margin, 4.53% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Honesdale National Bank sits 0.82 points higher, at 4.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.17% |
| Yield on loans | 6.68% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 6.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 3.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.3M |
| Total interest expense | $4.5M |
| Interest expense on deposits | $4.5M |
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 | 4.99% | 1.21% | 3.88% | 5.68% | 2.20% |
| Q4 2023 | 5.22% | 1.47% | 3.87% | 5.86% | 2.23% |
| Q1 2024 | 5.29% | 1.68% | 3.76% | 5.93% | 2.26% |
| Q2 2024 | 5.49% | 1.78% | 3.88% | 6.10% | 2.28% |
| Q3 2024 | 5.70% | 1.95% | 3.94% | 6.34% | 2.34% |
| Q4 2024 | 5.77% | 2.01% | 3.96% | 6.47% | 2.49% |
| Q1 2025 | 5.76% | 1.93% | 4.02% | 6.40% | 2.56% |
| Q2 2025 | 5.98% | 1.84% | 4.31% | 6.56% | 2.61% |
| Q3 2025 | 6.18% | 1.84% | 4.52% | 6.77% | 2.65% |
| Q4 2025 | 6.15% | 1.85% | 4.48% | 6.74% | 2.78% |
| Q1 2026 | 6.17% | 1.81% | 4.55% | 6.70% | 2.83% |
| Q2 2026 | 6.17% | 1.83% | 4.53% | 6.68% | 2.96% |
The Honesdale 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 The Honesdale 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 The Honesdale National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7526) · FFIEC NIC profile (RSSD 465618)