Chelsea 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 3.35% to 3.46%, the largest move among the key lines here. Within Iowa, Chelsea Savings Bank is 143rd of 225 on net interest margin, 3.46% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Chelsea Savings Bank sits 0.49 points lower, at 3.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 6.93% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.46% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $693K |
| Interest expense on deposits | $693K |
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 | 4.07% | 1.32% | 2.94% | 5.96% | 3.05% |
| Q4 2023 | 4.12% | 1.66% | 2.70% | 5.98% | 3.15% |
| Q1 2024 | 4.16% | 1.84% | 2.59% | 6.20% | 3.15% |
| Q2 2024 | 4.31% | 1.93% | 2.69% | 6.46% | 3.18% |
| Q3 2024 | 4.40% | 2.00% | 2.70% | 6.61% | 3.24% |
| Q4 2024 | 4.56% | 1.94% | 2.93% | 6.90% | 3.30% |
| Q1 2025 | 4.68% | 1.75% | 3.16% | 6.79% | 3.24% |
| Q2 2025 | 4.85% | 1.74% | 3.38% | 7.25% | 3.25% |
| Q3 2025 | 4.81% | 1.74% | 3.31% | 7.05% | 3.24% |
| Q4 2025 | 4.83% | 1.70% | 3.34% | 7.04% | 3.28% |
| Q1 2026 | 4.74% | 1.58% | 3.35% | 6.89% | 3.22% |
| Q2 2026 | 4.82% | 1.59% | 3.46% | 6.93% | 3.34% |
Chelsea 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 Chelsea 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 Chelsea Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15427) · FFIEC NIC profile (RSSD 771748)