Bedford Federal 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.
Total interest expense rose 5.5% from Q1 2026 to Q2 2026, ending at $1.6M against $1.6M. It was the largest change among the key lines on this page. Within Indiana, Bedford Federal Savings Bank is 20th of 87 on net interest margin, 4.17% as of Q2 2026, above the middle of the field. Bedford Federal Savings Bank reported 4.17% on net interest margin for Q2 2026, 0.22 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.46% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.91% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 3.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 5.25% | 1.55% | 3.67% |
| Q4 2023 | 5.59% | 1.99% | 3.69% |
| Q1 2024 | 5.63% | 2.03% | 3.66% |
| Q2 2024 | 5.76% | 2.28% | 3.63% |
| Q3 2024 | 6.11% | 2.35% | 3.82% |
| Q4 2024 | 6.12% | 2.52% | 3.69% |
| Q1 2025 | 6.09% | 2.47% | 3.67% |
| Q2 2025 | 6.11% | 2.48% | 3.68% |
| Q3 2025 | 6.27% | 2.54% | 3.90% |
| Q4 2025 | 6.17% | 2.51% | 3.84% |
| Q1 2026 | 6.21% | 2.48% | 3.93% |
| Q2 2026 | 6.46% | 2.37% | 4.17% |
Bedford Federal 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 Bedford Federal 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 Bedford Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29024) · FFIEC NIC profile (RSSD 946274)