Community 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.
Cost of borrowings fell 0.55 percentage points from Q1 2026 to Q2 2026, ending at 3.56% against 4.11%. It was the largest change among the key lines on this page. Within Ohio, Community Savings Bank is 87th of 156 on net interest margin, 3.62% 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. Community Savings Bank sits 0.33 points lower, at 3.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.15% |
| Yield on securities | 4.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | 3.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.62% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $586K |
| Interest expense on deposits | $504K |
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 | 5.00% | 1.42% | 3.72% | 5.15% | 3.21% |
| Q4 2023 | 5.15% | 1.83% | 3.55% | 5.29% | 3.33% |
| Q1 2024 | 5.27% | 2.28% | 3.35% | 5.44% | 3.29% |
| Q2 2024 | 5.23% | 2.47% | 3.14% | 5.43% | 2.63% |
| Q3 2024 | 5.48% | 2.69% | 3.18% | 5.64% | 2.92% |
| Q4 2024 | 5.37% | 2.77% | 3.06% | 5.59% | 2.97% |
| Q1 2025 | 5.45% | 2.53% | 3.32% | 5.65% | 3.60% |
| Q2 2025 | 5.71% | 2.81% | 3.47% | 5.88% | 3.96% |
| Q3 2025 | 5.97% | 3.32% | 3.53% | 6.18% | 3.93% |
| Q4 2025 | 5.92% | 3.27% | 3.57% | 6.18% | 3.97% |
| Q1 2026 | 5.82% | 2.58% | 3.52% | 6.10% | 4.09% |
| Q2 2026 | 5.86% | 2.37% | 3.62% | 6.15% | 4.12% |
Community 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 Community 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 Community Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32286) · FFIEC NIC profile (RSSD 847979)