Jim Thorpe Neighborhood 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 0.20 percentage points to 3.41%. Jim Thorpe Neighborhood Bank ranks 60th of 109 Pennsylvania banks on net interest margin, in the lower half at 3.41% (Q2 2026). Jim Thorpe Neighborhood Bank reported 3.41% on net interest margin for Q2 2026, 0.54 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.32% |
| Yield on loans | 5.29% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.36% |
| Cost of interest-bearing liabilities | 1.36% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $588K |
| Interest expense on deposits | $588K |
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 | 3.48% | 0.82% | 2.71% | 4.23% | 2.22% |
| Q4 2023 | 3.68% | 1.16% | 2.59% | 4.35% | 2.44% |
| Q1 2024 | 3.78% | 1.18% | 2.67% | 4.47% | 2.70% |
| Q2 2024 | 3.94% | 1.16% | 2.88% | 4.64% | 2.72% |
| Q3 2024 | 4.03% | 1.18% | 2.90% | 4.76% | 2.82% |
| Q4 2024 | 4.11% | 1.27% | 2.88% | 4.87% | 2.95% |
| Q1 2025 | 4.07% | 1.15% | 2.99% | 4.87% | 2.94% |
| Q2 2025 | 4.18% | 1.12% | 3.15% | 5.02% | 2.92% |
| Q3 2025 | 4.25% | 1.13% | 3.22% | 5.15% | 2.97% |
| Q4 2025 | 4.25% | 1.18% | 3.14% | 5.19% | 3.05% |
| Q1 2026 | 4.17% | 1.03% | 3.21% | 5.12% | 3.09% |
| Q2 2026 | 4.32% | 0.99% | 3.41% | 5.29% | 3.26% |
Jim Thorpe Neighborhood 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 Jim Thorpe Neighborhood 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 Jim Thorpe Neighborhood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7599) · FFIEC NIC profile (RSSD 920210)