Sharon 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, Yield on loans edged up by 0.22 percentage points, from 6.54% to 6.76%, the largest move among the key lines here. Sharon Bank ranks 15th of 109 Pennsylvania banks on net interest margin, in the upper half at 4.29% (Q2 2026). Sharon Bank reported 4.29% on net interest margin for Q2 2026, 0.34 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.26% |
| Yield on loans | 6.76% |
| Yield on securities | 4.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $747K |
| Interest expense on deposits | $671K |
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 | 5.07% | 1.66% | 3.47% | 5.39% | 3.75% |
| Q4 2023 | 5.30% | 1.99% | 3.37% | 5.46% | 4.50% |
| Q1 2024 | 5.23% | 2.30% | 3.00% | 5.53% | 4.19% |
| Q2 2024 | 5.51% | 2.25% | 3.32% | 5.70% | 4.33% |
| Q3 2024 | 5.54% | 2.33% | 3.30% | 5.75% | 4.38% |
| Q4 2024 | 5.55% | 2.34% | 3.29% | 5.82% | 4.10% |
| Q1 2025 | 5.75% | 2.27% | 3.41% | 5.98% | 4.39% |
| Q2 2025 | 5.86% | 1.88% | 3.93% | 6.14% | 4.39% |
| Q3 2025 | 6.28% | 1.89% | 4.31% | 6.52% | 4.35% |
| Q4 2025 | 6.56% | 2.02% | 4.42% | 6.84% | 4.20% |
| Q1 2026 | 6.31% | 1.98% | 4.21% | 6.54% | 4.38% |
| Q2 2026 | 6.26% | 1.88% | 4.29% | 6.76% | 4.24% |
Sharon 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 Sharon 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 Sharon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28793) · FFIEC NIC profile (RSSD 164377)