Jonestown Bank and Trust Company of Jonestown, Pennsylvania: 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.
Net interest margin rose 0.17 percentage points from Q1 2026 to Q2 2026, ending at 4.33% against 4.16%. It was the largest change among the key lines on this page. Within Pennsylvania, Jonestown Bank and Trust Company of Jonestown, Pennsylvania is 11th of 109 on net interest margin, 4.33% as of Q2 2026, above the middle of the field. Jonestown Bank and Trust Company of Jonestown, Pennsylvania reported 4.33% on net interest margin for Q2 2026, 0.62 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | 6.14% |
| Yield on securities | 5.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.5M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.1M |
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 | 5.25% | 1.70% | 3.65% | 5.30% | 3.85% |
| Q4 2023 | 5.44% | 1.85% | 3.70% | 5.50% | 3.86% |
| Q1 2024 | 5.37% | 1.91% | 3.57% | 5.43% | 3.91% |
| Q2 2024 | 5.50% | 1.98% | 3.64% | 5.56% | 4.41% |
| Q3 2024 | 5.60% | 2.01% | 3.74% | 5.69% | 4.49% |
| Q4 2024 | 5.54% | 1.92% | 3.74% | 5.70% | 4.14% |
| Q1 2025 | 5.40% | 1.80% | 3.71% | 5.58% | 3.99% |
| Q2 2025 | 5.59% | 1.83% | 3.88% | 5.82% | 4.02% |
| Q3 2025 | 5.73% | 1.93% | 3.93% | 5.94% | 4.27% |
| Q4 2025 | 5.78% | 1.72% | 4.18% | 6.02% | 4.79% |
| Q1 2026 | 5.67% | 1.62% | 4.16% | 5.92% | 4.96% |
| Q2 2026 | 5.85% | 1.64% | 4.33% | 6.14% | 5.19% |
Jonestown Bank and Trust Company of Jonestown, Pennsylvania yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Jonestown Bank and Trust Company of Jonestown, Pennsylvania, 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 Jonestown Bank and Trust Company of Jonestown, Pennsylvania profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10677) · FFIEC NIC profile (RSSD 653611)