PCSB 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 rose 3.6% to $1.4M. PCSB Bank ranks 190th of 225 Iowa banks on net interest margin, in the lower half at 3.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. PCSB Bank sits 0.92 points lower, at 3.02% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 6.53% |
| Yield on securities | 2.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.02% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.4M |
| 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 | 4.20% | 1.78% | 2.56% | 5.69% | 1.90% |
| Q4 2023 | 4.19% | 1.91% | 2.42% | 5.79% | 1.89% |
| Q1 2024 | 4.52% | 2.04% | 2.61% | 6.35% | 1.88% |
| Q2 2024 | 4.48% | 2.20% | 2.48% | 6.22% | 1.89% |
| Q3 2024 | 4.60% | 2.27% | 2.53% | 6.36% | 1.91% |
| Q4 2024 | 4.71% | 2.11% | 2.72% | 6.65% | 1.95% |
| Q1 2025 | 4.49% | 1.95% | 2.63% | 6.27% | 1.99% |
| Q2 2025 | 4.57% | 2.01% | 2.73% | 6.34% | 2.04% |
| Q3 2025 | 4.72% | 2.05% | 2.84% | 6.53% | 2.11% |
| Q4 2025 | 4.75% | 1.90% | 2.94% | 6.57% | 2.13% |
| Q1 2026 | 4.67% | 1.77% | 2.98% | 6.40% | 2.13% |
| Q2 2026 | 4.73% | 1.87% | 3.02% | 6.53% | 2.21% |
PCSB 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 PCSB 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 PCSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14522) · FFIEC NIC profile (RSSD 188449)