Carver 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 6.7% to $2.6M. Carver Federal Savings Bank ranks 57th of 105 New York banks on net interest margin, in the lower half at 3.55% (Q2 2026). Carver Federal Savings Bank reported 3.55% on net interest margin for Q2 2026, 0.40 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 5.60% |
| Yield on securities | 2.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | 2.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.6M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.5M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.51% | 1.42% | 3.24% | 4.72% | 2.07% |
| Q4 2023 | 4.68% | 1.60% | 3.21% | 4.86% | 2.37% |
| Q1 2024 | 5.25% | 1.89% | 3.51% | 5.52% | 2.43% |
| Q2 2024 | 4.93% | 2.00% | 3.10% | 5.13% | 2.41% |
| Q3 2024 | 5.39% | 2.08% | 3.47% | 5.69% | 2.39% |
| Q4 2024 | 3.91% | 2.14% | 1.92% | 3.99% | 2.13% |
| Q1 2025 | 4.63% | 2.01% | 2.73% | 4.88% | 2.25% |
| Q2 2025 | 5.31% | 1.96% | 3.44% | 5.68% | 2.23% |
| Q3 2025 | 5.09% | 1.90% | 3.27% | 5.43% | 2.24% |
| Q4 2025 | 5.31% | 1.85% | 3.53% | 5.75% | 2.02% |
| Q1 2026 | 5.10% | 1.74% | 3.41% | 5.53% | 2.15% |
| Q2 2026 | 5.15% | 1.67% | 3.55% | 5.60% | 2.15% |
Carver 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 Carver 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 Carver Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30394) · FFIEC NIC profile (RSSD 268677)