Equitable Savings and Loan Association: 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: Net interest margin edged down 0.07 percentage points between Q1 2026 and Q2 2026, to 3.20%. Within Colorado, Equitable Savings and Loan Association is 54th of 63 on net interest margin, 3.20% 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. Equitable Savings and Loan Association sits 0.75 points lower, at 3.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 4.89% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 4.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $646K |
| Interest expense on deposits | $503K |
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 | 3.98% | 0.77% | 3.33% | 3.96% | 1.62% |
| Q4 2023 | 4.15% | 0.95% | 3.35% | 4.12% | 1.76% |
| Q1 2024 | 4.16% | 1.07% | 3.26% | 4.18% | 1.65% |
| Q2 2024 | 4.30% | 1.26% | 3.25% | 4.34% | 1.61% |
| Q3 2024 | 4.47% | 1.48% | 3.22% | 4.48% | 2.99% |
| Q4 2024 | 4.53% | 1.53% | 3.23% | 4.55% | 3.18% |
| Q1 2025 | 4.55% | 1.52% | 3.27% | 4.58% | 3.19% |
| Q2 2025 | 4.65% | 1.60% | 3.30% | 4.69% | 3.11% |
| Q3 2025 | 4.78% | 1.75% | 3.30% | 4.81% | 3.61% |
| Q4 2025 | 4.78% | 1.84% | 3.23% | 4.86% | 3.68% |
| Q1 2026 | 4.75% | 1.74% | 3.27% | 4.86% | 3.66% |
| Q2 2026 | 4.77% | 1.84% | 3.20% | 4.89% | 3.66% |
Equitable Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Equitable Savings and Loan Association, 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 Equitable Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30707) · FFIEC NIC profile (RSSD 206473)