First Central Savings 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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 3.64%, the biggest move on this page. First Central Savings Bank ranks 51st of 105 New York banks on net interest margin, in the upper half at 3.64% (Q2 2026). At 3.64%, First Central Savings Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.07% |
| Yield on loans | 6.34% |
| Yield on securities | 2.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.64% |
| Cost of interest-bearing deposits | 3.19% |
| Cost of interest-bearing liabilities | 3.26% |
| Cost of borrowings | 3.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.0M |
| Total interest expense | $5.9M |
| Interest expense on deposits | $5.5M |
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 | 5.97% | 2.98% | 3.19% | 6.26% | 2.07% |
| Q4 2023 | 5.96% | 3.28% | 2.93% | 6.24% | 2.55% |
| Q1 2024 | 6.05% | 3.53% | 2.78% | 6.30% | 2.29% |
| Q2 2024 | 6.20% | 3.65% | 2.83% | 6.47% | 2.78% |
| Q3 2024 | 6.24% | 3.70% | 2.82% | 6.49% | 2.43% |
| Q4 2024 | 6.12% | 3.52% | 2.90% | 6.36% | 2.03% |
| Q1 2025 | 6.05% | 3.23% | 3.10% | 6.29% | 2.16% |
| Q2 2025 | 6.13% | 3.09% | 3.30% | 6.38% | 2.26% |
| Q3 2025 | 6.18% | 3.11% | 3.33% | 6.46% | 2.44% |
| Q4 2025 | 6.00% | 2.96% | 3.30% | 6.30% | 2.44% |
| Q1 2026 | 5.98% | 2.73% | 3.49% | 6.30% | 2.47% |
| Q2 2026 | 6.07% | 2.64% | 3.64% | 6.34% | 2.48% |
First Central Savings 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 First Central Savings 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 First Central Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34969) · FFIEC NIC profile (RSSD 2797359)