S & T 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 0.10 percentage points, from 3.88% to 3.98%, the largest move among the key lines here. S & T Bank ranks 27th of 109 Pennsylvania banks on net interest margin, in the upper half at 3.98% (Q2 2026). S & T Bank reported 3.98% on net interest margin for Q2 2026, 0.27 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 5.87% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $117.0M |
| Total interest expense | $37.0M |
| Interest expense on deposits | $35.4M |
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 | 5.70% | 1.74% | 4.12% | 6.19% | 2.37% |
| Q4 2023 | 5.77% | 2.02% | 3.95% | 6.23% | 2.45% |
| Q1 2024 | 5.77% | 2.14% | 3.83% | 6.21% | 2.57% |
| Q2 2024 | 5.81% | 2.19% | 3.84% | 6.25% | 2.66% |
| Q3 2024 | 5.90% | 2.28% | 3.85% | 6.32% | 2.92% |
| Q4 2024 | 5.75% | 2.18% | 3.80% | 6.13% | 3.13% |
| Q1 2025 | 5.59% | 2.02% | 3.78% | 5.91% | 3.36% |
| Q2 2025 | 5.70% | 2.04% | 3.87% | 6.01% | 3.60% |
| Q3 2025 | 5.77% | 2.03% | 3.95% | 6.08% | 3.64% |
| Q4 2025 | 5.74% | 1.93% | 4.02% | 6.04% | 3.66% |
| Q1 2026 | 5.50% | 1.80% | 3.88% | 5.78% | 3.65% |
| Q2 2026 | 5.59% | 1.78% | 3.98% | 5.87% | 3.67% |
S & T 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 S & T 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 S & T Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11124) · FFIEC NIC profile (RSSD 936426)