Mauch Chunk Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 3.0% to $2.6M. Within Pennsylvania, Mauch Chunk Trust Company is 94th of 109 on net interest margin, 2.61% as of Q2 2026, below the middle of the field. Mauch Chunk Trust Company reported 2.61% on net interest margin for Q2 2026, 1.34 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.20% |
| Yield on loans | 5.65% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.61% |
| Yield to cost spread | 2.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.4M |
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 | 3.99% | 1.85% | 2.25% | 5.22% | 2.84% |
| Q4 2023 | 4.07% | 1.97% | 2.19% | 5.21% | 2.91% |
| Q1 2024 | 4.11% | 1.94% | 2.24% | 5.33% | 2.98% |
| Q2 2024 | 4.20% | 2.08% | 2.22% | 5.37% | 2.97% |
| Q3 2024 | 4.24% | 2.07% | 2.21% | 5.50% | 3.05% |
| Q4 2024 | 4.12% | 1.96% | 2.19% | 5.49% | 2.96% |
| Q1 2025 | 3.98% | 1.89% | 2.17% | 5.28% | 2.88% |
| Q2 2025 | 4.07% | 1.89% | 2.27% | 5.48% | 2.84% |
| Q3 2025 | 4.16% | 1.93% | 2.33% | 5.63% | 2.87% |
| Q4 2025 | 4.18% | 1.88% | 2.39% | 5.82% | 2.77% |
| Q1 2026 | 4.12% | 1.74% | 2.49% | 5.55% | 2.87% |
| Q2 2026 | 4.20% | 1.71% | 2.61% | 5.65% | 2.89% |
Mauch Chunk Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mauch Chunk Trust Company, 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 Mauch Chunk Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2359) · FFIEC NIC profile (RSSD 857811)