Investment 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: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.87%. Within Pennsylvania, Investment Savings Bank is 84th of 109 on net interest margin, 2.87% as of Q2 2026, below the middle of the field. Investment Savings Bank reported 2.87% on net interest margin for Q2 2026, 1.08 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.17% |
| Yield on loans | 5.06% |
| Yield on securities | 3.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 1.54% |
| Cost of interest-bearing liabilities | 1.74% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.87% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $573K |
| Total interest expense | $313K |
| Interest expense on deposits | $254K |
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 | 3.49% | 1.44% | 2.26% | 4.27% | 2.70% |
| Q4 2023 | 3.58% | 1.60% | 2.21% | 4.34% | 2.78% |
| Q1 2024 | 3.69% | 1.65% | 2.27% | 4.41% | 2.84% |
| Q2 2024 | 3.80% | 1.73% | 2.32% | 4.44% | 2.95% |
| Q3 2024 | 3.89% | 1.86% | 2.30% | 4.52% | 3.02% |
| Q4 2024 | 3.92% | 1.84% | 2.35% | 4.67% | 3.01% |
| Q1 2025 | 3.90% | 1.71% | 2.43% | 4.67% | 3.04% |
| Q2 2025 | 4.02% | 1.73% | 2.55% | 4.76% | 3.21% |
| Q3 2025 | 4.11% | 1.72% | 2.65% | 4.89% | 3.33% |
| Q4 2025 | 4.18% | 1.65% | 2.75% | 5.01% | 3.37% |
| Q1 2026 | 4.11% | 1.56% | 2.76% | 4.97% | 3.27% |
| Q2 2026 | 4.17% | 1.52% | 2.87% | 5.06% | 3.32% |
Investment 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 Investment 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 Investment Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30121) · FFIEC NIC profile (RSSD 854173)