The Equitable Savings and Loan Company: 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 standout move of Q2 2026 was in Yield on securities: 9.94 percentage points higher than in Q1 2026, at 9.94%. Within Ohio, The Equitable Savings and Loan Company is 57th of 156 on net interest margin, 3.94% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; The Equitable Savings and Loan Company reported 3.94% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 4.88% |
| Yield on securities | 9.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 0.87% |
| Cost of interest-bearing liabilities | 0.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $77K |
| Total interest expense | $14K |
| Interest expense on deposits | $14K |
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 | 5.53% | 0.70% | 5.02% | 4.60% | -14.81% |
| Q4 2023 | 2.82% | 1.03% | 2.05% | 4.74% | 0.71% |
| Q1 2024 | 4.89% | 1.31% | 3.91% | 4.79% | 0.47% |
| Q2 2024 | 4.83% | 1.24% | 3.88% | 4.72% | 0.64% |
| Q3 2024 | 5.08% | 1.16% | 4.14% | 5.01% | 1.03% |
| Q4 2024 | 6.42% | 0.93% | 5.68% | 4.94% | 0.30% |
| Q1 2025 | 4.81% | 0.95% | 4.06% | 4.88% | 0.68% |
| Q2 2025 | 4.82% | 1.06% | 3.96% | 4.94% | 0.73% |
| Q3 2025 | 4.95% | 1.26% | 3.93% | 5.07% | 0.75% |
| Q4 2025 | 4.34% | 0.82% | 3.72% | 5.03% | 8.42% |
| Q1 2026 | 4.55% | 1.08% | 3.70% | 4.89% | 0.00% |
| Q2 2026 | 4.67% | 0.89% | 3.94% | 4.88% | 9.94% |
The Equitable Savings and Loan Company 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 Equitable Savings and Loan Company, 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 Equitable Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29966) · FFIEC NIC profile (RSSD 910079)