The Conneaut 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.
Compared with Q1 2026, Yield on loans fell 0.35 percentage points in Q2 2026 to 5.32%, the biggest move on this page. The Conneaut Savings Bank ranks 84th of 156 Ohio banks on net interest margin, in the lower half at 3.64% (Q2 2026). The Conneaut Savings Bank reported 3.64% on net interest margin for Q2 2026, 0.25 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.64% |
| Yield on loans | 5.32% |
| Yield on securities | 2.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.14% |
| Cost of interest-bearing deposits | 1.30% |
| Cost of interest-bearing liabilities | 1.29% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $725K |
| Total interest expense | $183K |
| Interest expense on deposits | $180K |
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 | 3.59% | 0.84% | 2.88% | 4.32% | 2.02% |
| Q4 2023 | 3.70% | 1.12% | 2.78% | 4.46% | 2.04% |
| Q1 2024 | 3.91% | 1.48% | 2.74% | 4.70% | 2.02% |
| Q2 2024 | 3.94% | 1.42% | 2.78% | 4.74% | 2.01% |
| Q3 2024 | 4.11% | 1.48% | 2.87% | 4.98% | 2.04% |
| Q4 2024 | 4.02% | 1.41% | 2.84% | 4.87% | 2.00% |
| Q1 2025 | 4.09% | 1.30% | 2.98% | 4.88% | 2.06% |
| Q2 2025 | 4.21% | 1.24% | 3.15% | 5.03% | 2.03% |
| Q3 2025 | 4.38% | 1.16% | 3.37% | 5.19% | 1.98% |
| Q4 2025 | 4.39% | 1.13% | 3.41% | 5.18% | 2.03% |
| Q1 2026 | 4.74% | 1.11% | 3.78% | 5.67% | 2.20% |
| Q2 2026 | 4.64% | 1.14% | 3.64% | 5.32% | 2.36% |
The Conneaut 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 The Conneaut 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 The Conneaut Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28677) · FFIEC NIC profile (RSSD 203575)