Ambler Savings 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, Net interest margin rose 0.21 percentage points in Q2 2026 to 2.97%, the biggest move on this page. Within Pennsylvania, Ambler Savings Bank is 79th of 109 on net interest margin, 2.97% as of Q2 2026, below the middle of the field. Ambler Savings Bank reported 2.97% on net interest margin for Q2 2026, 0.98 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.61% |
| Yield on loans | 5.35% |
| Yield on securities | 2.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | 3.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.97% |
| Yield to cost spread | 2.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.0M |
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 | 4.19% | 1.73% | 2.64% | 4.75% | 2.65% |
| Q4 2023 | 4.31% | 2.16% | 2.39% | 4.86% | 2.72% |
| Q1 2024 | 4.28% | 2.24% | 2.32% | 4.87% | 2.63% |
| Q2 2024 | 4.44% | 2.33% | 2.42% | 5.08% | 2.62% |
| Q3 2024 | 4.39% | 2.36% | 2.34% | 5.03% | 2.62% |
| Q4 2024 | 4.46% | 2.43% | 2.36% | 5.11% | 2.55% |
| Q1 2025 | 4.40% | 2.24% | 2.45% | 5.08% | 2.62% |
| Q2 2025 | 4.48% | 2.20% | 2.60% | 5.18% | 2.63% |
| Q3 2025 | 4.51% | 2.15% | 2.63% | 5.23% | 2.67% |
| Q4 2025 | 4.53% | 2.13% | 2.62% | 5.25% | 2.59% |
| Q1 2026 | 4.45% | 1.94% | 2.76% | 5.16% | 2.60% |
| Q2 2026 | 4.61% | 1.90% | 2.97% | 5.35% | 2.66% |
Ambler Savings 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 Ambler Savings 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 Ambler Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28701) · FFIEC NIC profile (RSSD 206174)