The Juniata Valley 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.
In Q2 2026, Yield on loans edged down by 0.12 percentage points, from 6.21% to 6.09%, the largest move among the key lines here. Within Pennsylvania, The Juniata Valley Bank is 55th of 109 on net interest margin, 3.47% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Juniata Valley Bank sits 0.48 points lower, at 3.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.09% |
| Yield on securities | 2.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.4M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $2.8M |
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 | 4.34% | 1.14% | 2.90% | 5.50% | 2.17% |
| Q4 2023 | 4.40% | 1.27% | 2.81% | 5.56% | 2.17% |
| Q1 2024 | 4.46% | 1.37% | 2.75% | 5.64% | 2.15% |
| Q2 2024 | 4.59% | 1.39% | 2.86% | 5.82% | 2.14% |
| Q3 2024 | 4.69% | 1.46% | 2.88% | 5.96% | 2.13% |
| Q4 2024 | 4.65% | 1.41% | 2.90% | 5.90% | 2.12% |
| Q1 2025 | 4.60% | 1.36% | 2.93% | 5.83% | 2.11% |
| Q2 2025 | 4.72% | 1.34% | 3.06% | 5.95% | 2.11% |
| Q3 2025 | 4.86% | 1.35% | 3.20% | 6.10% | 2.10% |
| Q4 2025 | 4.88% | 1.33% | 3.25% | 6.06% | 2.08% |
| Q1 2026 | 5.02% | 1.26% | 3.48% | 6.21% | 2.03% |
| Q2 2026 | 4.99% | 1.25% | 3.47% | 6.09% | 2.10% |
The Juniata Valley 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 The Juniata Valley 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 The Juniata Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7614) · FFIEC NIC profile (RSSD 215710)