Central 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 fell 3.7% from Q1 2026 to Q2 2026, ending at $1.3M against $1.3M. It was the largest change among the key lines on this page. Within Michigan, Central Savings Bank is 10th of 72 on net interest margin, 4.85% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Central Savings Bank sits 0.90 points higher, at 4.85% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 6.89% |
| Yield on securities | 3.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.12% |
| Cost of interest-bearing deposits | 1.54% |
| Cost of interest-bearing liabilities | 1.67% |
| Cost of borrowings | 3.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.85% |
| Yield to cost spread | 4.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $1.3M |
| 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 | 4.58% | 1.01% | 3.59% | 6.46% | 1.79% |
| Q4 2023 | 4.98% | 1.11% | 3.92% | 6.74% | 2.03% |
| Q1 2024 | 5.02% | 1.33% | 3.73% | 6.74% | 2.24% |
| Q2 2024 | 5.40% | 1.46% | 3.96% | 7.06% | 1.52% |
| Q3 2024 | 5.45% | 1.39% | 4.13% | 6.97% | 1.96% |
| Q4 2024 | 5.54% | 1.35% | 4.26% | 7.17% | 2.37% |
| Q1 2025 | 5.33% | 1.29% | 4.10% | 7.09% | 2.17% |
| Q2 2025 | 5.83% | 1.10% | 4.78% | 7.69% | 2.54% |
| Q3 2025 | 5.79% | 1.11% | 4.74% | 7.37% | 2.84% |
| Q4 2025 | 6.08% | 1.22% | 4.93% | 7.31% | 2.96% |
| Q1 2026 | 5.81% | 1.21% | 4.67% | 6.84% | 2.95% |
| Q2 2026 | 5.92% | 1.12% | 4.85% | 6.89% | 3.29% |
Central 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 Central 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 Central Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1095) · FFIEC NIC profile (RSSD 382050)