Fairfield County 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.
Net interest margin rose 0.17 percentage points from Q1 2026 to Q2 2026, ending at 3.62% against 3.45%. It was the largest change among the key lines on this page. Within Connecticut, Fairfield County Bank is 8th of 27 on net interest margin, 3.62% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Fairfield County Bank reported 3.62% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.79% |
| Yield on loans | 5.26% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.39% |
| Cost of interest-bearing liabilities | 1.62% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.62% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.5M |
| Total interest expense | $5.2M |
| Interest expense on deposits | $3.9M |
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 | 3.90% | 1.11% | 2.72% | 4.42% | 2.16% |
| Q4 2023 | 4.00% | 1.34% | 2.60% | 4.56% | 2.17% |
| Q1 2024 | 4.08% | 1.57% | 2.45% | 4.67% | 2.18% |
| Q2 2024 | 4.24% | 1.68% | 2.49% | 4.86% | 2.17% |
| Q3 2024 | 4.27% | 1.71% | 2.50% | 4.88% | 2.19% |
| Q4 2024 | 4.28% | 1.54% | 2.68% | 4.85% | 2.20% |
| Q1 2025 | 4.41% | 1.23% | 3.16% | 4.84% | 2.41% |
| Q2 2025 | 4.47% | 1.47% | 3.18% | 4.91% | 2.42% |
| Q3 2025 | 4.54% | 1.38% | 3.26% | 4.99% | 2.40% |
| Q4 2025 | 4.58% | 1.43% | 3.34% | 5.02% | 2.41% |
| Q1 2026 | 4.66% | 1.38% | 3.45% | 5.09% | 2.36% |
| Q2 2026 | 4.79% | 1.34% | 3.62% | 5.26% | 2.38% |
Fairfield County 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 Fairfield County 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 Fairfield County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18213) · FFIEC NIC profile (RSSD 882701)