Infirst 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 Net interest margin, which rose 0.28 percentage points to 4.05%. Infirst Bank ranks 20th of 109 Pennsylvania banks on net interest margin, in the upper half at 4.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Infirst Bank reported 4.05% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | 6.36% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.5M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.4M |
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 | 5.20% | 1.86% | 3.54% | 5.35% | 2.26% |
| Q4 2023 | 5.27% | 2.12% | 3.38% | 5.43% | 2.26% |
| Q1 2024 | 5.51% | 2.40% | 3.35% | 5.68% | 2.28% |
| Q2 2024 | 5.58% | 2.60% | 3.25% | 5.74% | 2.40% |
| Q3 2024 | 5.80% | 2.78% | 3.31% | 5.97% | 3.01% |
| Q4 2024 | 5.90% | 2.81% | 3.39% | 6.10% | 3.17% |
| Q1 2025 | 5.76% | 2.68% | 3.36% | 5.95% | 3.04% |
| Q2 2025 | 5.97% | 2.67% | 3.58% | 6.18% | 3.10% |
| Q3 2025 | 6.02% | 2.60% | 3.69% | 6.27% | 3.48% |
| Q4 2025 | 6.14% | 2.57% | 3.85% | 6.42% | 3.49% |
| Q1 2026 | 5.95% | 2.44% | 3.77% | 6.17% | 3.79% |
| Q2 2026 | 6.14% | 2.35% | 4.05% | 6.36% | 3.84% |
Infirst 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 Infirst 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 Infirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27763) · FFIEC NIC profile (RSSD 904171)