SSB 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: 10.8% lower than in Q1 2026, at $1.7M. SSB Bank ranks 46th of 109 Pennsylvania banks on net interest margin, in the upper half at 3.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. SSB Bank sits 0.33 points lower, at 3.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 5.81% |
| Yield on securities | 3.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | 4.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.5M |
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 | 5.33% | 2.46% | 3.03% | 5.31% | 3.57% |
| Q4 2023 | 5.49% | 2.63% | 3.02% | 5.35% | 3.55% |
| Q1 2024 | 5.44% | 2.68% | 2.95% | 5.46% | 3.59% |
| Q2 2024 | 5.47% | 2.75% | 2.87% | 5.46% | 3.63% |
| Q3 2024 | 5.48% | 2.92% | 2.67% | 5.50% | 3.60% |
| Q4 2024 | 5.69% | 2.99% | 2.85% | 5.74% | 3.78% |
| Q1 2025 | 5.36% | 2.78% | 2.73% | 5.48% | 3.84% |
| Q2 2025 | 5.44% | 2.75% | 2.85% | 5.63% | 3.69% |
| Q3 2025 | 5.41% | 2.77% | 3.03% | 5.72% | 3.64% |
| Q4 2025 | 5.63% | 2.62% | 3.41% | 5.98% | 3.70% |
| Q1 2026 | 5.23% | 2.38% | 3.16% | 5.57% | 3.71% |
| Q2 2026 | 5.38% | 2.22% | 3.61% | 5.81% | 3.79% |
SSB 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 SSB 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 SSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30431) · FFIEC NIC profile (RSSD 277277)