Eastern Savings Bank Federal 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.29 percentage points to 5.40%. Among 27 Maryland banks, Eastern Savings Bank Federal Savings Bank sits 2nd from the top on net interest margin, 5.40% as of Q2 2026. Eastern Savings Bank Federal Savings Bank reported 5.40% on net interest margin for Q2 2026, 1.45 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.37% |
| Yield on loans | 8.56% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.71% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 4.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.40% |
| Yield to cost spread | 4.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 7.20% | 1.63% | 5.94% | 7.87% | 3.48% |
| Q4 2023 | 7.86% | 1.94% | 6.35% | 8.60% | 3.20% |
| Q1 2024 | 7.10% | 2.09% | 5.46% | 7.58% | 4.17% |
| Q2 2024 | 7.26% | 2.24% | 5.49% | 7.81% | 3.35% |
| Q3 2024 | 8.59% | 2.50% | 6.64% | 9.35% | 3.24% |
| Q4 2024 | 7.69% | 2.55% | 5.73% | 8.44% | 3.29% |
| Q1 2025 | 7.55% | 2.48% | 5.46% | 8.47% | 3.26% |
| Q2 2025 | 7.20% | 2.62% | 5.21% | 8.38% | 1.95% |
| Q3 2025 | 7.73% | 2.69% | 5.59% | 8.76% | 3.31% |
| Q4 2025 | 7.79% | 2.81% | 5.68% | 8.67% | 3.09% |
| Q1 2026 | 7.65% | 2.67% | 5.69% | 8.67% | 2.63% |
| Q2 2026 | 7.37% | 2.71% | 5.40% | 8.56% | 2.88% |
Eastern Savings Bank Federal 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 Eastern Savings Bank Federal 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 Eastern Savings Bank Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32360) · FFIEC NIC profile (RSSD 643078)