Fairfield Federal Savings and Loan Association of Lancaster: 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 Cost of borrowings, which rose 0.28 percentage points to 1.94%. Fairfield Federal Savings and Loan Association of Lancaster ranks 121st of 156 Ohio banks on net interest margin, in the lower half at 3.13% (Q2 2026). Fairfield Federal Savings and Loan Association of Lancaster reported 3.13% on net interest margin for Q2 2026, 0.82 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | 4.68% |
| Yield on securities | 4.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.78% |
| Cost of interest-bearing liabilities | 1.78% |
| Cost of borrowings | 1.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.13% |
| Yield to cost spread | 2.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 4.05% | 1.44% | 2.73% | 4.24% | 1.37% |
| Q4 2023 | 4.38% | 1.57% | 2.95% | 4.31% | 1.07% |
| Q1 2024 | 4.19% | 1.66% | 2.71% | 4.36% | 1.37% |
| Q2 2024 | 4.30% | 1.72% | 2.73% | 4.42% | 1.17% |
| Q3 2024 | 4.33% | 1.77% | 2.75% | 4.47% | 1.60% |
| Q4 2024 | 4.38% | 1.81% | 2.76% | 4.53% | 1.68% |
| Q1 2025 | 4.38% | 1.72% | 2.85% | 4.53% | 2.14% |
| Q2 2025 | 4.50% | 1.65% | 3.02% | 4.60% | 2.96% |
| Q3 2025 | 4.48% | 1.68% | 2.99% | 4.63% | 2.43% |
| Q4 2025 | 4.53% | 1.69% | 3.02% | 4.64% | 3.39% |
| Q1 2026 | 4.52% | 1.63% | 3.07% | 4.64% | 4.19% |
| Q2 2026 | 4.58% | 1.64% | 3.13% | 4.68% | 4.02% |
Fairfield Federal Savings and Loan Association of Lancaster 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 Federal Savings and Loan Association of Lancaster, 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 Federal Savings and Loan Association of Lancaster profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27806) · FFIEC NIC profile (RSSD 666974)