Port Richmond Savings: 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 fell 0.17 percentage points in Q2 2026 to 4.48%, the biggest move on this page. On net interest margin, Port Richmond Savings ranks 9th highest among the 109 banks headquartered in Pennsylvania, at 4.48% (Q2 2026). Port Richmond Savings reported 4.48% on net interest margin for Q2 2026, 0.60 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.17% |
| Yield on loans | 6.53% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.65% |
| Cost of interest-bearing deposits | 2.82% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.48% |
| Yield to cost spread | 3.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $403K |
| Interest expense on deposits | $334K |
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 | 5.98% | 1.72% | 4.61% | 6.40% | 1.93% |
| Q4 2023 | 6.25% | 1.70% | 4.88% | 6.43% | 8.49% |
| Q1 2024 | 6.61% | 1.79% | 5.16% | 6.79% | 26.00% |
| Q2 2024 | 6.37% | 1.81% | 4.91% | 6.57% | 0.00% |
| Q3 2024 | 6.52% | 2.04% | 4.93% | 6.72% | — |
| Q4 2024 | 6.42% | 1.90% | 4.95% | 6.62% | — |
| Q1 2025 | 6.26% | 2.64% | 4.66% | 6.58% | — |
| Q2 2025 | 6.33% | 2.68% | 4.68% | 6.61% | — |
| Q3 2025 | 6.41% | 2.72% | 4.76% | 6.73% | — |
| Q4 2025 | 6.35% | 2.62% | 4.74% | 6.76% | — |
| Q1 2026 | 6.29% | 2.57% | 4.65% | 6.65% | — |
| Q2 2026 | 6.17% | 2.65% | 4.48% | 6.53% | — |
Port Richmond Savings yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Port Richmond Savings, 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 Port Richmond Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27385) · FFIEC NIC profile (RSSD 1225798)