Univest Bank and 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 3.57% against 3.37%. It was the largest change among the key lines on this page. Within Pennsylvania, Univest Bank and Trust Co. is 51st of 109 on net interest margin, 3.57% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Univest Bank and Trust Co. sits 0.14 points lower, at 3.57% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 5.87% |
| Yield on securities | 3.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.87% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | 3.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.57% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $98.1M |
| Total interest expense | $40.1M |
| Interest expense on deposits | $38.8M |
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 | 5.37% | 2.45% | 3.10% | 5.60% | 2.55% |
| Q4 2023 | 5.45% | 2.67% | 2.98% | 5.67% | 2.68% |
| Q1 2024 | 5.45% | 2.66% | 2.98% | 5.67% | 2.67% |
| Q2 2024 | 5.50% | 2.75% | 2.95% | 5.71% | 2.75% |
| Q3 2024 | 5.65% | 2.91% | 2.96% | 5.88% | 2.77% |
| Q4 2024 | 5.58% | 2.78% | 3.02% | 5.84% | 2.83% |
| Q1 2025 | 5.51% | 2.53% | 3.16% | 5.72% | 2.97% |
| Q2 2025 | 5.64% | 2.51% | 3.31% | 5.86% | 2.96% |
| Q3 2025 | 5.69% | 2.55% | 3.33% | 5.97% | 2.98% |
| Q4 2025 | 5.55% | 2.50% | 3.24% | 5.89% | 2.99% |
| Q1 2026 | 5.48% | 2.27% | 3.37% | 5.73% | 3.04% |
| Q2 2026 | 5.66% | 2.24% | 3.57% | 5.87% | 3.12% |
Univest Bank and 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 Univest Bank and 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 Univest Bank and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7759) · FFIEC NIC profile (RSSD 354310)