Kish 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, Net interest margin edged up by 0.11 percentage points, from 3.48% to 3.59%, the largest move among the key lines here. Within Pennsylvania, Kish Bank is 49th of 109 on net interest margin, 3.59% as of Q2 2026. Kish Bank reported 3.59% on net interest margin for Q2 2026, 0.12 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | 6.22% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.45% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.76% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $26.9M |
| Total interest expense | $11.2M |
| Interest expense on deposits | $8.3M |
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 | 5.60% | 2.42% | 3.32% | 6.17% | 2.59% |
| Q4 2023 | 5.79% | 2.62% | 3.32% | 6.35% | 2.61% |
| Q1 2024 | 5.84% | 2.74% | 3.25% | 6.37% | 2.58% |
| Q2 2024 | 5.96% | 2.79% | 3.35% | 6.49% | 2.61% |
| Q3 2024 | 6.14% | 2.91% | 3.41% | 6.67% | 2.64% |
| Q4 2024 | 6.01% | 2.85% | 3.34% | 6.50% | 2.44% |
| Q1 2025 | 5.84% | 2.70% | 3.31% | 6.27% | 2.34% |
| Q2 2025 | 6.02% | 2.73% | 3.44% | 6.44% | 2.43% |
| Q3 2025 | 6.13% | 2.75% | 3.55% | 6.54% | 2.44% |
| Q4 2025 | 6.03% | 2.65% | 3.54% | 6.41% | 2.45% |
| Q1 2026 | 5.81% | 2.48% | 3.48% | 6.14% | 2.59% |
| Q2 2026 | 5.88% | 2.45% | 3.59% | 6.22% | 2.79% |
Kish 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 Kish 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 Kish Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14969) · FFIEC NIC profile (RSSD 600419)