Amory First Savings and Loan Bank, SSB: 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, Yield on securities rose 0.34 percentage points in Q2 2026 to 2.15%, the biggest move on this page. Amory First Savings and Loan Bank, SSB has the 5th lowest net interest margin of the 57 banks headquartered in Mississippi, at 2.86% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Amory First Savings and Loan Bank, SSB sits 1.03 points lower, at 2.86% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | 6.05% |
| Yield on securities | 2.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.01% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.86% |
| Yield to cost spread | 2.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $940K |
| Total interest expense | $508K |
| Interest expense on deposits | $508K |
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 | 4.48% | 2.53% | 2.24% | 5.39% | 2.70% |
| Q4 2023 | 4.34% | 3.08% | 1.68% | 5.42% | 2.74% |
| Q1 2024 | 4.57% | 3.07% | 1.83% | 5.60% | 2.57% |
| Q2 2024 | 4.54% | 3.13% | 1.76% | 5.52% | 2.13% |
| Q3 2024 | 4.68% | 3.18% | 1.94% | 5.60% | 2.43% |
| Q4 2024 | 4.94% | 3.22% | 2.13% | 5.95% | 1.96% |
| Q1 2025 | 5.16% | 3.11% | 2.37% | 6.01% | 1.80% |
| Q2 2025 | 5.08% | 3.30% | 2.41% | 6.06% | 1.92% |
| Q3 2025 | 5.16% | 3.20% | 2.42% | 6.25% | 1.76% |
| Q4 2025 | 5.88% | 3.20% | 2.99% | 6.33% | 1.78% |
| Q1 2026 | 5.56% | 3.06% | 2.70% | 6.14% | 1.81% |
| Q2 2026 | 5.60% | 3.01% | 2.86% | 6.05% | 2.15% |
Amory First Savings and Loan Bank, SSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Amory First Savings and Loan Bank, SSB, 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 Amory First Savings and Loan Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28949) · FFIEC NIC profile (RSSD 715975)