MCS 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: Cost of borrowings edged down 0.14 percentage points between Q1 2026 and Q2 2026, to 3.73%. On net interest margin, MCS Bank ranks 7th highest among the 109 banks headquartered in Pennsylvania, at 4.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. MCS Bank sits 0.60 points higher, at 4.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.33% |
| Yield on securities | 2.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.74% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.54% |
| Yield to cost spread | 4.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $701K |
| Interest expense on deposits | $675K |
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 | 4.89% | 1.32% | 3.65% | 5.24% | 2.70% |
| Q4 2023 | 5.27% | 1.41% | 3.94% | 5.66% | 2.59% |
| Q1 2024 | 5.12% | 1.58% | 3.69% | 5.54% | 2.61% |
| Q2 2024 | 5.05% | 1.14% | 3.64% | 5.46% | 2.67% |
| Q3 2024 | 6.12% | 1.14% | 4.33% | 6.42% | 3.34% |
| Q4 2024 | 5.60% | 1.31% | 3.96% | 5.97% | 2.80% |
| Q1 2025 | 5.49% | 1.66% | 3.93% | 5.89% | 2.43% |
| Q2 2025 | 5.64% | 1.58% | 4.15% | 6.03% | 2.48% |
| Q3 2025 | 5.82% | 1.45% | 4.47% | 6.19% | 2.54% |
| Q4 2025 | 5.81% | 1.50% | 4.41% | 6.16% | 2.62% |
| Q1 2026 | 5.84% | 1.46% | 4.48% | 6.25% | 2.13% |
| Q2 2026 | 5.86% | 1.43% | 4.54% | 6.33% | 2.05% |
MCS 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 MCS 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 MCS Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28186) · FFIEC NIC profile (RSSD 757779)