Penn Community 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 2.72%. Penn Community Bank ranks 90th of 109 Pennsylvania banks on net interest margin, in the lower half at 2.72% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Penn Community Bank sits 0.99 points lower, at 2.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.78% |
| Yield on loans | 5.57% |
| Yield on securities | 2.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.27% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.72% |
| Yield to cost spread | 2.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.2M |
| Total interest expense | $15.2M |
| 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 | 4.42% | 2.12% | 2.51% | 5.32% | 2.18% |
| Q4 2023 | 4.49% | 2.43% | 2.30% | 5.40% | 2.17% |
| Q1 2024 | 4.60% | 2.58% | 2.26% | 5.52% | 2.14% |
| Q2 2024 | 4.60% | 2.79% | 2.07% | 5.48% | 2.19% |
| Q3 2024 | 4.69% | 2.91% | 2.06% | 5.58% | 2.19% |
| Q4 2024 | 4.59% | 2.88% | 1.99% | 5.48% | 2.18% |
| Q1 2025 | 4.52% | 2.67% | 2.11% | 5.36% | 2.22% |
| Q2 2025 | 4.69% | 2.59% | 2.34% | 5.53% | 2.24% |
| Q3 2025 | 4.84% | 2.57% | 2.51% | 5.68% | 2.22% |
| Q4 2025 | 4.84% | 2.46% | 2.62% | 5.68% | 2.23% |
| Q1 2026 | 4.70% | 2.30% | 2.62% | 5.50% | 2.23% |
| Q2 2026 | 4.78% | 2.27% | 2.72% | 5.57% | 2.30% |
Penn Community 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 Penn Community 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 Penn Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30401) · FFIEC NIC profile (RSSD 328777)