Auburn Savings Bank, FSB: 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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 2.95% to 3.04%, the largest move among the key lines here. Auburn Savings Bank, FSB ranks 18th of 22 Maine banks on net interest margin, in the lower half at 3.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Auburn Savings Bank, FSB sits 0.91 points lower, at 3.04% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.46% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.83% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.04% |
| Yield to cost spread | 2.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $596K |
| Interest expense on deposits | $416K |
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 | 4.61% | 2.54% | 2.53% |
| Q4 2023 | 4.81% | 2.86% | 2.48% |
| Q1 2024 | 5.25% | 2.47% | 2.74% |
| Q2 2024 | 5.29% | 2.59% | 2.67% |
| Q3 2024 | 5.25% | 2.57% | 2.62% |
| Q4 2024 | 5.14% | 2.70% | 2.44% |
| Q1 2025 | 5.38% | 2.58% | 2.76% |
| Q2 2025 | 5.32% | 2.50% | 2.78% |
| Q3 2025 | 5.49% | 2.48% | 2.98% |
| Q4 2025 | 5.46% | 2.46% | 3.02% |
| Q1 2026 | 5.30% | 2.40% | 2.95% |
| Q2 2026 | 5.42% | 2.46% | 3.04% |
Auburn Savings Bank, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburn Savings Bank, FSB, 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 Auburn Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28288) · FFIEC NIC profile (RSSD 229173)