Aroostook County Federal Savings & Loan Association: 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 5.0% in Q2 2026 to $1.2M, the biggest move on this page. Within Maine, Aroostook County Federal Savings & Loan Association is 13th of 22 on net interest margin, 3.35% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Aroostook County Federal Savings & Loan Association sits 0.60 points lower, at 3.35% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 6.41% |
| Yield on securities | 3.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.62% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 2.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.1M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.27% | 2.26% | 2.42% | 5.07% | 1.85% |
| Q4 2023 | 4.27% | 2.37% | 2.09% | 5.13% | 1.61% |
| Q1 2024 | 4.56% | 2.64% | 2.14% | 5.45% | 1.85% |
| Q2 2024 | 4.58% | 2.96% | 2.03% | 5.50% | 1.81% |
| Q3 2024 | 4.85% | 2.84% | 2.14% | 5.78% | 2.04% |
| Q4 2024 | 4.97% | 2.90% | 2.49% | 5.85% | 2.23% |
| Q1 2025 | 5.07% | 2.71% | 2.55% | 6.00% | 2.55% |
| Q2 2025 | 5.17% | 2.81% | 2.72% | 6.15% | 2.46% |
| Q3 2025 | 5.23% | 2.59% | 2.87% | 6.14% | 2.57% |
| Q4 2025 | 5.39% | 2.67% | 3.06% | 6.24% | 2.84% |
| Q1 2026 | 5.49% | 2.36% | 3.21% | 6.28% | 2.95% |
| Q2 2026 | 5.68% | 2.62% | 3.35% | 6.41% | 3.02% |
Aroostook County Federal Savings & Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Aroostook County Federal Savings & Loan Association, 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 Aroostook County Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29743) · FFIEC NIC profile (RSSD 351878)