Pioneer Trust Bank, N.A.: 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 rose 0.33 percentage points from Q1 2026 to Q2 2026, ending at 4.54% against 4.21%. It was the largest change among the key lines on this page. Within Oregon, Pioneer Trust Bank, N.A. is 4th of 12 on net interest margin, 4.54% as of Q2 2026, above the middle of the field. Pioneer Trust Bank, N.A. reported 4.54% on net interest margin for Q2 2026, 0.59 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.72% |
| Yield on securities | 3.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.54% |
| Yield to cost spread | 4.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.6M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 5.07% | 2.07% | 3.15% | 5.94% | 2.00% |
| Q4 2023 | 5.37% | 2.35% | 3.20% | 6.14% | 2.09% |
| Q1 2024 | 5.41% | 2.44% | 3.25% | 6.20% | 2.09% |
| Q2 2024 | 5.73% | 2.23% | 3.76% | 6.44% | 2.24% |
| Q3 2024 | 5.69% | 2.13% | 3.78% | 6.39% | 2.34% |
| Q4 2024 | 5.78% | 1.84% | 4.13% | 6.40% | 2.46% |
| Q1 2025 | 5.61% | 1.75% | 4.04% | 6.39% | 2.51% |
| Q2 2025 | 5.87% | 1.79% | 4.28% | 6.50% | 2.74% |
| Q3 2025 | 5.73% | 1.83% | 4.11% | 6.49% | 3.24% |
| Q4 2025 | 5.80% | 1.69% | 4.28% | 6.50% | 3.49% |
| Q1 2026 | 5.60% | 1.56% | 4.21% | 6.64% | 3.57% |
| Q2 2026 | 5.93% | 1.59% | 4.54% | 6.72% | 3.62% |
Pioneer Trust Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Trust Bank, N.A., 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 Pioneer Trust Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19827) · FFIEC NIC profile (RSSD 852973)