The Philadelphia Trust Company: 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.
Net interest margin climbed 0.76 percentage points in Q2 2026, from 2.69% to 3.45%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, The Philadelphia Trust Company is 57th of 109 on net interest margin, 3.45% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Philadelphia Trust Company sits 0.44 points lower, at 3.45% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.51% |
| Yield on loans | 6.17% |
| Yield on securities | 3.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.77% |
| Cost of interest-bearing deposits | 3.86% |
| Cost of interest-bearing liabilities | 3.86% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 0.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $91K |
| Total interest expense | $58K |
| Interest expense on deposits | $58K |
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 | 4.11% | 4.60% | 2.84% | 4.15% | 4.66% |
| Q4 2023 | 5.26% | 5.07% | 3.75% | 6.23% | 4.89% |
| Q1 2024 | 4.36% | 5.07% | 2.87% | 5.37% | 4.02% |
| Q2 2024 | 4.08% | 5.07% | 2.67% | 5.46% | 3.43% |
| Q3 2024 | 5.51% | 5.51% | 3.97% | 6.23% | 5.40% |
| Q4 2024 | 5.51% | 5.18% | 3.99% | 5.89% | 5.52% |
| Q1 2025 | 5.42% | 4.70% | 4.07% | 5.92% | 5.35% |
| Q2 2025 | 4.82% | 4.47% | 3.61% | 5.81% | 4.49% |
| Q3 2025 | 5.68% | 4.17% | 4.37% | 8.05% | 5.00% |
| Q4 2025 | 3.94% | 4.15% | 2.71% | 5.64% | 4.28% |
| Q1 2026 | 3.85% | 3.92% | 2.69% | 5.88% | 3.62% |
| Q2 2026 | 4.51% | 3.77% | 3.45% | 6.17% | 3.93% |
The Philadelphia Trust Company 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 Philadelphia Trust Company, 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 Philadelphia Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35075) · FFIEC NIC profile (RSSD 2796277)