Androscoggin 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.
Net interest margin rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 3.18% against 2.88%. It was the largest change among the key lines on this page. Within Maine, Androscoggin Savings Bank is 15th of 22 on net interest margin, 3.18% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Androscoggin Savings Bank sits 0.53 points lower, at 3.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | 5.68% |
| Yield on securities | 2.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.18% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.9M |
| Total interest expense | $9.0M |
| Interest expense on deposits | $7.9M |
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 | 4.50% | 1.54% | 3.07% | 4.78% | 2.03% |
| Q4 2023 | 4.70% | 1.98% | 2.86% | 4.97% | 2.11% |
| Q1 2024 | 4.78% | 2.31% | 2.63% | 5.09% | 2.16% |
| Q2 2024 | 4.98% | 2.41% | 2.73% | 5.28% | 2.22% |
| Q3 2024 | 4.98% | 2.51% | 2.66% | 5.28% | 2.21% |
| Q4 2024 | 5.07% | 2.36% | 2.88% | 5.39% | 2.21% |
| Q1 2025 | 4.91% | 2.28% | 2.81% | 5.21% | 2.24% |
| Q2 2025 | 5.04% | 2.33% | 2.90% | 5.36% | 2.40% |
| Q3 2025 | 5.19% | 2.37% | 3.03% | 5.50% | 2.58% |
| Q4 2025 | 5.28% | 2.43% | 3.06% | 5.64% | 2.62% |
| Q1 2026 | 5.00% | 2.32% | 2.88% | 5.31% | 2.56% |
| Q2 2026 | 5.31% | 2.29% | 3.18% | 5.68% | 2.62% |
Androscoggin 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 Androscoggin 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 Androscoggin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17751) · FFIEC NIC profile (RSSD 132107)