QNB 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.
The standout move of Q2 2026 was in Total interest expense: 30.5% higher than in Q1 2026, at $11.0M. QNB Bank ranks 62nd of 109 Pennsylvania banks on net interest margin, in the lower half at 3.38% (Q2 2026). QNB Bank reported 3.38% on net interest margin for Q2 2026, 0.33 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 6.24% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 3.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $26.6M |
| Total interest expense | $11.0M |
| Interest expense on deposits | $10.4M |
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 | 4.31% | 2.07% | 2.38% | 5.34% | 2.45% |
| Q4 2023 | 4.47% | 2.26% | 2.36% | 5.41% | 2.65% |
| Q1 2024 | 4.55% | 2.34% | 2.36% | 5.51% | 2.57% |
| Q2 2024 | 4.68% | 2.40% | 2.43% | 5.62% | 2.68% |
| Q3 2024 | 4.89% | 2.52% | 2.54% | 5.79% | 2.84% |
| Q4 2024 | 4.80% | 2.44% | 2.56% | 5.84% | 2.69% |
| Q1 2025 | 4.75% | 2.26% | 2.66% | 5.73% | 2.80% |
| Q2 2025 | 4.91% | 2.20% | 2.88% | 5.96% | 2.80% |
| Q3 2025 | 4.96% | 2.21% | 2.93% | 6.02% | 2.80% |
| Q4 2025 | 5.05% | 2.06% | 3.17% | 6.19% | 2.64% |
| Q1 2026 | 4.76% | 1.96% | 2.97% | 5.87% | 2.36% |
| Q2 2026 | 5.27% | 2.08% | 3.38% | 6.24% | 2.39% |
QNB 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 QNB 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 QNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7714) · FFIEC NIC profile (RSSD 852713)