Pennian 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 Cost of borrowings, which rose 0.40 percentage points to 2.15%. Pennian Bank ranks 74th of 109 Pennsylvania banks on net interest margin, in the lower half at 3.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Pennian Bank sits 0.79 points lower, at 3.16% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.75% |
| Yield on loans | 5.65% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 2.15% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.4M |
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 | 4.25% | 1.79% | 2.52% | 4.96% | 2.50% |
| Q4 2023 | 4.24% | 1.95% | 2.31% | 4.96% | 2.44% |
| Q1 2024 | 4.32% | 2.14% | 2.22% | 5.12% | 2.46% |
| Q2 2024 | 4.48% | 2.11% | 2.48% | 5.17% | 2.77% |
| Q3 2024 | 4.50% | 2.12% | 2.50% | 5.23% | 2.73% |
| Q4 2024 | 4.56% | 2.10% | 2.54% | 5.44% | 2.50% |
| Q1 2025 | 4.72% | 1.91% | 2.92% | 5.60% | 2.65% |
| Q2 2025 | 4.52% | 1.90% | 2.73% | 5.33% | 2.63% |
| Q3 2025 | 4.55% | 1.83% | 2.83% | 5.32% | 2.59% |
| Q4 2025 | 5.05% | 1.75% | 3.42% | 6.10% | 2.59% |
| Q1 2026 | 4.61% | 1.64% | 3.06% | 5.47% | 2.64% |
| Q2 2026 | 4.75% | 1.67% | 3.16% | 5.65% | 2.64% |
Pennian 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 Pennian 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 Pennian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7613) · FFIEC NIC profile (RSSD 212018)