Woodlands 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.
Compared with Q1 2026, Total interest expense rose 4.2% in Q2 2026 to $2.2M, the biggest move on this page. Woodlands Bank ranks 54th of 109 Pennsylvania banks on net interest margin, in the upper half at 3.50% (Q2 2026). Woodlands Bank reported 3.50% on net interest margin for Q2 2026, 0.45 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.91% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | 4.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.1M |
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 |
|---|---|---|---|
| Q3 2023 | 4.32% | 1.44% | 2.62% |
| Q4 2023 | 4.31% | 1.64% | 2.41% |
| Q1 2024 | 4.53% | 1.72% | 2.51% |
| Q2 2024 | 4.65% | 1.76% | 2.58% |
| Q3 2024 | 4.79% | 1.76% | 2.72% |
| Q4 2024 | 4.79% | 1.92% | 2.94% |
| Q1 2025 | 4.72% | 1.79% | 2.99% |
| Q2 2025 | 4.73% | 1.78% | 3.01% |
| Q3 2025 | 4.89% | 1.76% | 3.20% |
| Q4 2025 | 4.86% | 1.62% | 3.32% |
| Q1 2026 | 4.80% | 1.47% | 3.39% |
| Q2 2026 | 4.91% | 1.49% | 3.50% |
Woodlands 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 Woodlands 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 Woodlands Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33136) · FFIEC NIC profile (RSSD 1479470)