The Neffs National 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 4.9% to $1.7M. Within Pennsylvania, The Neffs National Bank is 86th of 109 on net interest margin, 2.84% as of Q2 2026, below the middle of the field. The Neffs National Bank reported 2.84% on net interest margin for Q2 2026, 1.11 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.30% |
| Yield on loans | 5.38% |
| Yield on securities | 2.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.84% |
| Yield to cost spread | 2.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.4M |
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 | 3.66% | 1.58% | 2.33% | 4.44% | 2.81% |
| Q4 2023 | 3.74% | 1.71% | 2.30% | 4.57% | 2.84% |
| Q1 2024 | 3.73% | 1.86% | 2.15% | 4.61% | 2.77% |
| Q2 2024 | 3.88% | 1.94% | 2.24% | 4.85% | 2.81% |
| Q3 2024 | 3.99% | 1.98% | 2.34% | 4.92% | 2.91% |
| Q4 2024 | 4.00% | 1.97% | 2.35% | 4.96% | 2.93% |
| Q1 2025 | 4.00% | 1.90% | 2.39% | 4.97% | 2.94% |
| Q2 2025 | 4.10% | 1.93% | 2.47% | 5.08% | 2.91% |
| Q3 2025 | 4.18% | 1.95% | 2.53% | 5.21% | 2.91% |
| Q4 2025 | 4.28% | 1.91% | 2.67% | 5.38% | 2.92% |
| Q1 2026 | 4.19% | 1.82% | 2.66% | 5.23% | 2.91% |
| Q2 2026 | 4.30% | 1.73% | 2.84% | 5.38% | 2.93% |
The Neffs National 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 The Neffs National 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 The Neffs National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7646) · FFIEC NIC profile (RSSD 144913)