The Pleasants County 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.
Compared with Q1 2026, Net interest margin rose 0.24 percentage points in Q2 2026 to 3.84%, the biggest move on this page. The Pleasants County Bank ranks 25th of 41 West Virginia banks on net interest margin, in the lower half at 3.84% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin; The Pleasants County Bank reported 3.84% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 6.06% |
| Yield on securities | 2.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.06% |
| Cost of interest-bearing deposits | 1.58% |
| Cost of interest-bearing liabilities | 1.58% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $730K |
| Total interest expense | $199K |
| Interest expense on deposits | $199K |
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 | 3.87% | 0.81% | 3.06% | 5.04% | 1.68% |
| Q4 2023 | 3.94% | 1.07% | 2.90% | 5.07% | 1.72% |
| Q1 2024 | 3.97% | 1.27% | 2.71% | 5.06% | 1.79% |
| Q2 2024 | 4.13% | 1.31% | 2.84% | 5.26% | 1.77% |
| Q3 2024 | 4.23% | 1.47% | 2.79% | 5.43% | 1.86% |
| Q4 2024 | 4.35% | 1.53% | 2.85% | 5.61% | 1.85% |
| Q1 2025 | 4.28% | 1.35% | 2.94% | 5.41% | 2.25% |
| Q2 2025 | 4.55% | 1.30% | 3.31% | 5.72% | 2.29% |
| Q3 2025 | 4.73% | 1.25% | 3.50% | 5.92% | 2.28% |
| Q4 2025 | 4.85% | 1.21% | 3.66% | 6.05% | 2.37% |
| Q1 2026 | 4.67% | 1.08% | 3.60% | 5.82% | 2.42% |
| Q2 2026 | 4.88% | 1.06% | 3.84% | 6.06% | 2.50% |
The Pleasants County 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 Pleasants County 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 Pleasants County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 847) · FFIEC NIC profile (RSSD 8631)