Journey 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.
Cost of borrowings climbed 4.88 percentage points in Q2 2026, from 4.21% to 9.09%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Journey Bank ranks 10th highest among the 109 banks headquartered in Pennsylvania, at 4.36% (Q2 2026). Journey Bank reported 4.36% on net interest margin for Q2 2026, 0.65 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.05% |
| Yield on loans | 6.76% |
| Yield on securities | 3.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 9.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.36% |
| Yield to cost spread | 3.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.0M |
| Total interest expense | $6.6M |
| Interest expense on deposits | $6.1M |
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 | 3.65% | 1.45% | 2.14% | 5.01% | 1.52% |
| Q4 2023 | 4.62% | 2.04% | 2.68% | 5.84% | 2.04% |
| Q1 2024 | 5.51% | 1.88% | 3.34% | 6.59% | 2.34% |
| Q2 2024 | 5.63% | 2.22% | 3.48% | 6.67% | 2.35% |
| Q3 2024 | 5.74% | 2.23% | 3.56% | 6.79% | 2.35% |
| Q4 2024 | 5.73% | 2.11% | 3.71% | 6.73% | 2.46% |
| Q1 2025 | 5.70% | 1.96% | 3.82% | 6.61% | 2.60% |
| Q2 2025 | 5.89% | 1.93% | 4.05% | 6.69% | 2.98% |
| Q3 2025 | 6.05% | 1.93% | 4.21% | 6.80% | 3.34% |
| Q4 2025 | 6.06% | 1.84% | 4.32% | 6.82% | 3.44% |
| Q1 2026 | 5.93% | 1.75% | 4.28% | 6.70% | 3.45% |
| Q2 2026 | 6.05% | 1.80% | 4.36% | 6.76% | 3.69% |
Journey 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 Journey 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 Journey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 686) · FFIEC NIC profile (RSSD 881012)