Marion Center 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 1.1% between Q1 2026 and Q2 2026, to $1.8M. Marion Center Bank ranks 68th of 109 Pennsylvania banks on net interest margin, in the lower half at 3.29% (Q2 2026). Marion Center Bank reported 3.29% on net interest margin for Q2 2026, 0.66 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.98% |
| Yield on loans | 5.84% |
| Yield on securities | 2.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 3.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.29% |
| Yield to cost spread | 2.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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% | 1.67% | 2.74% | 5.12% | 2.05% |
| Q4 2023 | 4.50% | 1.91% | 2.66% | 5.28% | 2.10% |
| Q1 2024 | 4.59% | 2.13% | 2.54% | 5.38% | 2.15% |
| Q2 2024 | 4.68% | 2.24% | 2.55% | 5.46% | 2.16% |
| Q3 2024 | 4.95% | 2.24% | 2.82% | 5.85% | 2.18% |
| Q4 2024 | 5.01% | 2.12% | 2.99% | 5.97% | 2.10% |
| Q1 2025 | 4.73% | 1.98% | 2.83% | 5.62% | 2.10% |
| Q2 2025 | 4.89% | 1.95% | 3.02% | 5.77% | 2.08% |
| Q3 2025 | 4.97% | 1.89% | 3.17% | 5.88% | 2.13% |
| Q4 2025 | 5.09% | 1.88% | 3.30% | 6.03% | 2.11% |
| Q1 2026 | 4.98% | 1.80% | 3.26% | 5.89% | 2.11% |
| Q2 2026 | 4.98% | 1.77% | 3.29% | 5.84% | 2.13% |
Marion Center 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 Marion Center 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 Marion Center Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7909) · FFIEC NIC profile (RSSD 947525)