Unb 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.14 percentage points to 2.64%. Within Pennsylvania, Unb Bank is 93rd of 109 on net interest margin, 2.64% as of Q2 2026. Unb Bank reported 2.64% on net interest margin for Q2 2026, 1.30 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.84% |
| Yield on loans | 4.81% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.28% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.80% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.64% |
| Yield to cost spread | 2.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $495K |
| Interest expense on deposits | $495K |
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 | 3.33% | 0.90% | 2.48% | 4.00% | 1.70% |
| Q4 2023 | 3.44% | 1.04% | 2.46% | 4.09% | 1.74% |
| Q1 2024 | 3.49% | 1.27% | 2.28% | 4.13% | 1.73% |
| Q2 2024 | 3.61% | 1.38% | 2.31% | 4.23% | 1.70% |
| Q3 2024 | 3.69% | 1.52% | 2.25% | 4.33% | 1.85% |
| Q4 2024 | 3.62% | 1.53% | 2.17% | 4.35% | 1.97% |
| Q1 2025 | 3.54% | 1.40% | 2.21% | 4.29% | 1.97% |
| Q2 2025 | 3.66% | 1.40% | 2.34% | 4.42% | 1.98% |
| Q3 2025 | 3.75% | 1.38% | 2.44% | 4.59% | 2.18% |
| Q4 2025 | 3.74% | 1.38% | 2.43% | 4.65% | 2.49% |
| Q1 2026 | 3.72% | 1.29% | 2.50% | 4.66% | 2.56% |
| Q2 2026 | 3.84% | 1.28% | 2.64% | 4.81% | 2.61% |
Unb 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 Unb 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 Unb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7631) · FFIEC NIC profile (RSSD 249416)