Century 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 Net interest margin, which rose 0.21 percentage points to 3.43%. Within New Jersey, Century Savings Bank is 19th of 49 on net interest margin, 3.43% as of Q2 2026, above the middle of the field. Century Savings Bank reported 3.43% on net interest margin for Q2 2026, 0.52 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.22% |
| Yield on loans | 5.68% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.90% |
| Cost of interest-bearing deposits | 0.67% |
| Cost of interest-bearing liabilities | 1.12% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $643K |
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 | 3.42% | 0.85% | 2.64% | 4.80% | 2.15% |
| Q4 2023 | 3.56% | 0.87% | 2.76% | 4.92% | 2.16% |
| Q1 2024 | 3.56% | 1.00% | 2.64% | 4.96% | 2.16% |
| Q2 2024 | 3.67% | 1.02% | 2.74% | 5.08% | 2.15% |
| Q3 2024 | 3.73% | 1.04% | 2.77% | 5.22% | 2.16% |
| Q4 2024 | 3.76% | 1.03% | 2.81% | 5.28% | 2.14% |
| Q1 2025 | 3.79% | 1.00% | 2.88% | 5.27% | 2.15% |
| Q2 2025 | 3.88% | 1.01% | 2.96% | 5.39% | 2.18% |
| Q3 2025 | 4.01% | 1.04% | 3.06% | 5.56% | 2.18% |
| Q4 2025 | 4.04% | 0.99% | 3.15% | 5.63% | 2.17% |
| Q1 2026 | 4.01% | 0.89% | 3.22% | 5.61% | 2.22% |
| Q2 2026 | 4.22% | 0.90% | 3.43% | 5.68% | 2.56% |
Century 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 Century 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 Century Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30428) · FFIEC NIC profile (RSSD 392778)