Compass 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 biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 3.26%. On net interest margin, Compass Savings Bank is 3rd from the bottom among 109 Pennsylvania banks, 1.66% (Q2 2026). Compass Savings Bank's net interest margin of 1.66% is well below the 3.89% median for banks in the < $100M asset tier, a gap of 2.23 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.40% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.06% |
| Cost of interest-bearing deposits | 3.26% |
| Cost of interest-bearing liabilities | 3.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.66% |
| Yield to cost spread | 1.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $558K |
| Total interest expense | $366K |
| Interest expense on deposits | $353K |
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 |
|---|---|---|---|
| Q3 2023 | 4.08% | 2.99% | 1.57% |
| Q4 2023 | 4.21% | 3.40% | 1.47% |
| Q1 2024 | 4.25% | 3.46% | 1.29% |
| Q2 2024 | 4.27% | 3.39% | 1.24% |
| Q3 2024 | 4.46% | 3.39% | 1.34% |
| Q4 2024 | 4.21% | 3.45% | 1.13% |
| Q1 2025 | 4.32% | 3.30% | 1.21% |
| Q2 2025 | 4.30% | 3.31% | 1.26% |
| Q3 2025 | 4.37% | 3.71% | 1.37% |
| Q4 2025 | 4.50% | 3.20% | 1.65% |
| Q1 2026 | 4.44% | 3.14% | 1.65% |
| Q2 2026 | 4.40% | 3.06% | 1.66% |
Compass 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 Compass 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 Compass Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29430) · FFIEC NIC profile (RSSD 373272)