Orrstown 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.
Total interest expense fell 4.4% from Q1 2026 to Q2 2026, ending at $23.4M against $24.5M. It was the largest change among the key lines on this page. Within Pennsylvania, Orrstown Bank is 24th of 109 on net interest margin, 4.00% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Orrstown Bank sits 0.29 points higher, at 4.00% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | 6.22% |
| Yield on securities | 4.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | 3.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $63.3M |
| Total interest expense | $23.4M |
| Interest expense on deposits | $21.7M |
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 | 5.37% | 1.54% | 3.71% | 5.81% | 3.74% |
| Q4 2023 | 5.55% | 1.75% | 3.67% | 5.94% | 4.00% |
| Q1 2024 | 5.81% | 1.92% | 3.76% | 6.28% | 3.91% |
| Q2 2024 | 5.68% | 2.03% | 3.52% | 6.12% | 4.01% |
| Q3 2024 | 6.56% | 2.31% | 4.20% | 7.09% | 4.46% |
| Q4 2024 | 6.34% | 2.52% | 4.12% | 6.86% | 4.40% |
| Q1 2025 | 6.03% | 2.13% | 3.99% | 6.49% | 4.37% |
| Q2 2025 | 6.02% | 2.04% | 4.09% | 6.48% | 4.38% |
| Q3 2025 | 6.13% | 2.08% | 4.18% | 6.61% | 4.34% |
| Q4 2025 | 5.99% | 2.09% | 4.03% | 6.46% | 4.37% |
| Q1 2026 | 5.78% | 2.02% | 3.89% | 6.20% | 4.26% |
| Q2 2026 | 5.81% | 1.94% | 4.00% | 6.22% | 4.25% |
Orrstown 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 Orrstown 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 Orrstown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 713) · FFIEC NIC profile (RSSD 342410)