Huntingdon Savings 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 biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.95%. Huntingdon Savings Bank ranks 97th of 109 Pennsylvania banks on net interest margin, in the lower half at 2.51% (Q2 2026). Huntingdon Savings Bank reported 2.51% on net interest margin for Q2 2026, 1.38 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.85% |
| Yield on loans | 5.14% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.96% |
| Cost of interest-bearing deposits | 2.95% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.51% |
| Yield to cost spread | 1.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $180K |
| Total interest expense | $101K |
| Interest expense on deposits | $101K |
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 |
|---|---|---|---|---|
| Q3 2023 | 4.83% | 2.25% | 3.08% | 4.90% |
| Q4 2023 | 4.86% | 2.47% | 2.93% | 4.83% |
| Q1 2024 | 5.04% | 2.81% | 2.84% | 5.06% |
| Q2 2024 | 4.87% | 3.14% | 2.40% | 4.90% |
| Q3 2024 | 4.98% | 3.49% | 2.22% | 4.96% |
| Q4 2024 | 4.85% | 3.42% | 2.13% | 4.94% |
| Q1 2025 | 4.75% | 3.22% | 2.19% | 4.91% |
| Q2 2025 | 4.88% | 3.18% | 2.35% | 5.05% |
| Q3 2025 | 4.85% | 3.12% | 2.37% | 5.06% |
| Q4 2025 | 4.80% | 3.02% | 2.41% | 5.07% |
| Q1 2026 | 4.82% | 2.86% | 2.56% | 5.16% |
| Q2 2026 | 4.85% | 2.96% | 2.51% | 5.14% |
Huntingdon Savings 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 Huntingdon Savings 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 Huntingdon Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30031) · FFIEC NIC profile (RSSD 646471)