NexTier Bank, N.A.: 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.
Net interest margin rose 0.19 percentage points from Q1 2026 to Q2 2026, ending at 3.76% against 3.57%. It was the largest change among the key lines on this page. NexTier Bank, N.A. ranks 40th of 109 Pennsylvania banks on net interest margin, in the upper half at 3.76% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; NexTier Bank, N.A. reported 3.76% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 6.13% |
| Yield on securities | 4.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 4.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $33.5M |
| Total interest expense | $13.4M |
| Interest expense on deposits | $12.8M |
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 | 5.27% | 2.05% | 2.97% | 6.02% | 1.30% |
| Q4 2023 | 5.37% | 2.30% | 2.82% | 6.13% | 1.25% |
| Q1 2024 | 5.54% | 2.29% | 3.01% | 6.20% | 2.01% |
| Q2 2024 | 5.77% | 2.25% | 3.24% | 6.35% | 2.72% |
| Q3 2024 | 5.92% | 2.28% | 3.37% | 6.46% | 3.24% |
| Q4 2024 | 5.83% | 2.27% | 3.28% | 6.29% | 3.82% |
| Q1 2025 | 5.63% | 2.36% | 3.40% | 6.08% | 3.92% |
| Q2 2025 | 5.84% | 2.36% | 3.61% | 6.20% | 3.98% |
| Q3 2025 | 5.80% | 2.36% | 3.57% | 6.25% | 3.99% |
| Q4 2025 | 5.74% | 2.29% | 3.57% | 6.18% | 4.08% |
| Q1 2026 | 5.55% | 2.10% | 3.57% | 5.95% | 4.10% |
| Q2 2026 | 5.71% | 2.09% | 3.76% | 6.13% | 4.16% |
NexTier Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock NexTier Bank, N.A., 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 NexTier Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7900) · FFIEC NIC profile (RSSD 18827)