Phoenixville Federal Bank and Trust: 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.
Compared with Q1 2026, Total interest expense fell 5.1% in Q2 2026 to $2.1M, the biggest move on this page. Phoenixville Federal Bank and Trust ranks 64th of 109 Pennsylvania banks on net interest margin, in the lower half at 3.36% (Q2 2026). Phoenixville Federal Bank and Trust reported 3.36% on net interest margin for Q2 2026, 0.59 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.71% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.69% |
| Cost of borrowings | 4.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.0M |
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 |
|---|---|---|---|
| Q3 2023 | 4.20% | 1.26% | 3.03% |
| Q4 2023 | 4.36% | 1.60% | 2.89% |
| Q1 2024 | 4.41% | 1.72% | 2.80% |
| Q2 2024 | 4.48% | 1.83% | 2.78% |
| Q3 2024 | 4.56% | 1.91% | 2.80% |
| Q4 2024 | 4.58% | 1.90% | 2.82% |
| Q1 2025 | 4.49% | 1.79% | 2.85% |
| Q2 2025 | 4.59% | 1.68% | 3.05% |
| Q3 2025 | 4.62% | 1.67% | 3.09% |
| Q4 2025 | 4.62% | 1.63% | 3.14% |
| Q1 2026 | 4.54% | 1.55% | 3.13% |
| Q2 2026 | 4.71% | 1.49% | 3.36% |
Phoenixville Federal Bank and Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Phoenixville Federal Bank and Trust, 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 Phoenixville Federal Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29995) · FFIEC NIC profile (RSSD 824671)