Security National Trust Co.: 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, Yield on securities edged down by 0.13 percentage points, from 4.55% to 4.42%, the largest move among the key lines here. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Security National Trust Co. reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.95% |
| Yield on loans | — |
| Yield on securities | 4.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | — |
| Cost of interest-bearing deposits | — |
| Cost of interest-bearing liabilities | 0.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
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 | Net interest margin | Securities |
|---|---|---|---|
| Q3 2023 | 3.06% | 3.06% | 4.01% |
| Q4 2023 | 3.54% | 3.54% | 4.95% |
| Q1 2024 | 3.66% | 3.66% | 4.26% |
| Q2 2024 | 3.81% | 3.81% | 4.44% |
| Q3 2024 | 4.14% | 4.14% | 4.87% |
| Q4 2024 | 4.62% | 4.62% | 5.81% |
| Q1 2025 | 4.18% | 4.18% | 4.57% |
| Q2 2025 | 4.16% | 4.16% | 4.68% |
| Q3 2025 | 3.97% | 3.97% | 4.86% |
| Q4 2025 | 4.46% | 4.46% | 5.76% |
| Q1 2026 | 3.93% | 3.93% | 4.55% |
| Q2 2026 | 3.95% | 3.95% | 4.42% |
Security National Trust Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security National Trust Co., 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 Security National Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2912750)