Carthage Savings and Loan, N.A.: 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 3.47%. Within New York, Carthage Savings and Loan, N.A. is 59th of 105 on net interest margin, 3.47% as of Q2 2026, below the middle of the field. Carthage Savings and Loan, N.A. reported 3.47% on net interest margin for Q2 2026, 0.48 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 5.71% |
| Yield on securities | 1.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 4.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| 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 | 4.12% | 2.03% | 2.23% | 4.82% | 1.30% |
| Q4 2023 | 4.26% | 2.19% | 2.22% | 4.98% | 1.28% |
| Q1 2024 | 4.27% | 2.37% | 2.05% | 4.97% | 1.27% |
| Q2 2024 | 4.38% | 2.40% | 2.14% | 5.04% | 1.27% |
| Q3 2024 | 4.54% | 2.43% | 2.28% | 5.12% | 1.27% |
| Q4 2024 | 4.66% | 2.31% | 2.51% | 5.30% | 1.30% |
| Q1 2025 | 4.67% | 2.09% | 2.70% | 5.30% | 1.30% |
| Q2 2025 | 4.78% | 2.09% | 2.83% | 5.41% | 1.30% |
| Q3 2025 | 4.93% | 2.12% | 2.97% | 5.55% | 1.23% |
| Q4 2025 | 5.09% | 2.06% | 3.17% | 5.68% | 1.33% |
| Q1 2026 | 5.09% | 1.84% | 3.36% | 5.69% | 1.34% |
| Q2 2026 | 5.17% | 1.82% | 3.47% | 5.71% | 1.32% |
Carthage Savings and Loan, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Carthage Savings and Loan, N.A., 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 Carthage Savings and Loan, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28942) · FFIEC NIC profile (RSSD 900678)