Fidelity Federal Savings and Loan Association of Delaware: 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 2.47% to 2.58%, the largest move among the key lines here. On net interest margin, Fidelity Federal Savings and Loan Association of Delaware is 14th from the bottom among 156 Ohio banks, 2.58% (Q2 2026). Fidelity Federal Savings and Loan Association of Delaware reported 2.58% on net interest margin for Q2 2026, 1.37 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.26% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | 4.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.58% |
| Yield to cost spread | 2.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $559K |
| Interest expense on deposits | $419K |
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 |
|---|---|---|---|
| Q3 2023 | 3.56% | 1.16% | 2.56% |
| Q4 2023 | 3.58% | 1.28% | 2.47% |
| Q1 2024 | 3.83% | 1.98% | 2.38% |
| Q2 2024 | 3.85% | 2.24% | 2.31% |
| Q3 2024 | 4.06% | 2.33% | 2.40% |
| Q4 2024 | 4.16% | 2.48% | 2.39% |
| Q1 2025 | 4.02% | 2.54% | 2.28% |
| Q2 2025 | 4.09% | 2.53% | 2.40% |
| Q3 2025 | 4.29% | 2.67% | 2.45% |
| Q4 2025 | 4.28% | 2.58% | 2.50% |
| Q1 2026 | 4.18% | 2.52% | 2.47% |
| Q2 2026 | 4.26% | 2.48% | 2.58% |
Fidelity Federal Savings and Loan Association of Delaware yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Federal Savings and Loan Association of Delaware, 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 Fidelity Federal Savings and Loan Association of Delaware profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29521) · FFIEC NIC profile (RSSD 446176)