Meridian 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.
Compared with Q1 2026, Total interest expense rose 3.0% in Q2 2026 to $17.0M, the biggest move on this page. Within Pennsylvania, Meridian Bank is 37th of 109 on net interest margin, 3.83% as of Q2 2026, above the middle of the field. Meridian Bank reported 3.83% on net interest margin for Q2 2026, 0.12 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 6.75% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.96% |
| Cost of interest-bearing deposits | 3.25% |
| Cost of interest-bearing liabilities | 3.31% |
| Cost of borrowings | 4.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $37.6M |
| Total interest expense | $17.0M |
| Interest expense on deposits | $15.7M |
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 | 6.77% | 3.61% | 3.41% | 6.65% | 2.82% |
| Q4 2023 | 6.81% | 3.77% | 3.33% | 6.74% | 2.94% |
| Q1 2024 | 6.82% | 3.92% | 3.19% | 6.84% | 3.24% |
| Q2 2024 | 6.90% | 4.02% | 3.17% | 6.90% | 3.28% |
| Q3 2024 | 7.05% | 4.03% | 3.34% | 7.14% | 3.45% |
| Q4 2024 | 6.82% | 3.69% | 3.43% | 6.98% | 3.71% |
| Q1 2025 | 6.70% | 3.33% | 3.58% | 6.79% | 3.61% |
| Q2 2025 | 6.83% | 3.34% | 3.70% | 7.09% | 3.67% |
| Q3 2025 | 7.04% | 3.35% | 3.96% | 7.28% | 3.84% |
| Q4 2025 | 6.85% | 3.15% | 3.96% | 7.18% | 3.81% |
| Q1 2026 | 6.57% | 2.89% | 3.92% | 6.75% | 3.72% |
| Q2 2026 | 6.56% | 2.96% | 3.83% | 6.75% | 3.64% |
Meridian 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 Meridian 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 Meridian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57777) · FFIEC NIC profile (RSSD 3271799)