PBT Bancorp: 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.
Cost of borrowings climbed 2.95 percentage points in Q2 2026, from 4.60% to 7.56%. It was the largest change from Q1 2026 among the key lines here. PBT Bancorp ranks 32nd of 119 Kentucky banks on net interest margin, in the upper half at 4.29% (Q2 2026). PBT Bancorp reported 4.29% on net interest margin for Q2 2026, 0.35 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.93% |
| Yield on loans | 7.81% |
| Yield on securities | 2.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.05% |
| Cost of interest-bearing liabilities | 3.14% |
| Cost of borrowings | 7.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.5M |
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 | 5.10% | 1.90% | 3.25% | 6.06% | 2.15% |
| Q4 2023 | 5.24% | 2.28% | 3.05% | 6.08% | 2.36% |
| Q1 2024 | 5.27% | 2.44% | 2.95% | 5.97% | 2.39% |
| Q2 2024 | 5.37% | 2.57% | 2.94% | 6.04% | 2.46% |
| Q3 2024 | 5.42% | 2.55% | 3.02% | 6.53% | 2.14% |
| Q4 2024 | 5.66% | 2.62% | 3.20% | 6.73% | 2.37% |
| Q1 2025 | 5.82% | 2.64% | 3.42% | 6.80% | 2.35% |
| Q2 2025 | 5.98% | 2.67% | 3.61% | 6.97% | 2.34% |
| Q3 2025 | 6.33% | 2.39% | 3.99% | 7.26% | 2.49% |
| Q4 2025 | 6.64% | 2.58% | 4.17% | 7.57% | 2.45% |
| Q1 2026 | 6.32% | 2.42% | 4.03% | 7.16% | 2.31% |
| Q2 2026 | 6.93% | 2.78% | 4.29% | 7.81% | 2.32% |
PBT Bancorp yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock PBT Bancorp, 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 PBT Bancorp profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8117) · FFIEC NIC profile (RSSD 814711)