The Pennsville National 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 Net interest margin, which rose 0.21 percentage points to 4.31%. Within New Jersey, The Pennsville National Bank is 5th of 49 on net interest margin, 4.31% as of Q2 2026, above the middle of the field. The Pennsville National Bank reported 4.31% on net interest margin for Q2 2026, 0.36 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.55% |
| Yield on loans | 5.68% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.26% |
| Cost of interest-bearing deposits | 0.33% |
| Cost of interest-bearing liabilities | 0.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 4.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $168K |
| Interest expense on deposits | $168K |
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 | 2.98% | 0.60% | 2.40% | 5.24% | 1.64% |
| Q4 2023 | 3.41% | 0.67% | 2.76% | 5.46% | 1.92% |
| Q1 2024 | 3.60% | 0.69% | 2.93% | 5.83% | 2.19% |
| Q2 2024 | 3.81% | 0.68% | 3.16% | 6.23% | 2.20% |
| Q3 2024 | 3.85% | 0.69% | 3.19% | 6.33% | 2.31% |
| Q4 2024 | 4.22% | 0.55% | 3.70% | 6.49% | 2.45% |
| Q1 2025 | 4.22% | 0.44% | 3.80% | 6.22% | 2.72% |
| Q2 2025 | 4.59% | 0.46% | 4.16% | 6.23% | 3.12% |
| Q3 2025 | 4.48% | 0.45% | 4.06% | 6.05% | 3.18% |
| Q4 2025 | 4.63% | 0.32% | 4.33% | 5.90% | 3.41% |
| Q1 2026 | 4.33% | 0.25% | 4.10% | 5.71% | 3.31% |
| Q2 2026 | 4.55% | 0.26% | 4.31% | 5.68% | 3.50% |
The Pennsville National 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 The Pennsville National 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 The Pennsville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19978) · FFIEC NIC profile (RSSD 828110)