PNB Community 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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 4.77% to 4.86%, the largest move among the key lines here. PNB Community Bank ranks 8th of 79 Florida banks on net interest margin, in the upper half at 4.86% (Q2 2026). PNB Community Bank reported 4.86% on net interest margin for Q2 2026, 0.92 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 6.79% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.34% |
| Cost of interest-bearing liabilities | 1.34% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.86% |
| Yield to cost spread | 4.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $344K |
| Interest expense on deposits | $344K |
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 | 5.29% | 0.47% | 4.86% | 6.02% | 2.29% |
| Q4 2023 | 5.24% | 0.63% | 4.66% | 5.98% | 2.26% |
| Q1 2024 | 5.34% | 0.78% | 4.64% | 6.05% | 2.53% |
| Q2 2024 | 5.53% | 0.91% | 4.68% | 6.33% | 2.65% |
| Q3 2024 | 5.54% | 1.12% | 4.48% | 6.37% | 2.75% |
| Q4 2024 | 5.59% | 1.17% | 4.55% | 6.41% | 2.80% |
| Q1 2025 | 5.73% | 1.07% | 4.77% | 6.60% | 2.82% |
| Q2 2025 | 5.79% | 1.05% | 4.84% | 6.70% | 2.94% |
| Q3 2025 | 5.79% | 1.09% | 4.79% | 6.78% | 3.10% |
| Q4 2025 | 5.72% | 1.07% | 4.73% | 6.74% | 3.19% |
| Q1 2026 | 5.67% | 0.98% | 4.77% | 6.71% | 3.21% |
| Q2 2026 | 5.79% | 0.99% | 4.86% | 6.79% | 3.26% |
PNB Community 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 PNB Community 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 PNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26687) · FFIEC NIC profile (RSSD 483537)