Crest 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, Total interest expense fell 5.6% in Q2 2026 to $2.1M, the biggest move on this page. Within New Jersey, Crest Savings Bank is 30th of 49 on net interest margin, 3.11% as of Q2 2026, below the middle of the field. Crest Savings Bank reported 3.11% on net interest margin for Q2 2026, 0.84 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.62% |
| Yield on loans | 4.93% |
| Yield on securities | 1.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | 1.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.11% |
| Yield to cost spread | 2.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.0M |
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 | 3.95% | 1.45% | 2.69% | 4.32% | 2.04% |
| Q4 2023 | 4.06% | 1.80% | 2.45% | 4.49% | 2.03% |
| Q1 2024 | 4.06% | 2.01% | 2.27% | 4.46% | 1.85% |
| Q2 2024 | 4.11% | 2.09% | 2.25% | 4.56% | 1.79% |
| Q3 2024 | 4.17% | 1.91% | 2.53% | 4.63% | 1.82% |
| Q4 2024 | 4.23% | 1.95% | 2.52% | 4.67% | 1.79% |
| Q1 2025 | 4.41% | 1.85% | 2.72% | 4.67% | 1.81% |
| Q2 2025 | 4.52% | 1.77% | 2.87% | 4.79% | 1.80% |
| Q3 2025 | 4.52% | 1.76% | 2.93% | 4.89% | 1.77% |
| Q4 2025 | 4.55% | 1.81% | 2.90% | 4.84% | 1.81% |
| Q1 2026 | 4.49% | 1.73% | 2.91% | 4.86% | 1.92% |
| Q2 2026 | 4.62% | 1.64% | 3.11% | 4.93% | 1.98% |
Crest 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 Crest 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 Crest Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28818) · FFIEC NIC profile (RSSD 172475)