First Federal Bank of Ohio: 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 Net interest margin, which rose 0.18 percentage points to 3.19%. First Federal Bank of Ohio ranks 115th of 156 Ohio banks on net interest margin, in the lower half at 3.19% (Q2 2026). First Federal Bank of Ohio reported 3.19% on net interest margin for Q2 2026, 0.76 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.20% |
| Yield on loans | 5.31% |
| Yield on securities | 3.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.41% |
| Cost of borrowings | 3.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $679K |
| Interest expense on deposits | $647K |
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 | 3.68% | 0.80% | 2.87% | 4.64% | 2.34% |
| Q4 2023 | 3.80% | 0.92% | 2.87% | 4.68% | 2.48% |
| Q1 2024 | 3.78% | 1.06% | 2.68% | 4.60% | 2.55% |
| Q2 2024 | 3.85% | 1.18% | 2.68% | 4.76% | 2.62% |
| Q3 2024 | 3.93% | 1.23% | 2.72% | 4.87% | 2.65% |
| Q4 2024 | 3.96% | 1.27% | 2.69% | 4.97% | 2.71% |
| Q1 2025 | 3.89% | 1.15% | 2.72% | 4.88% | 2.84% |
| Q2 2025 | 4.03% | 1.15% | 2.88% | 4.98% | 2.96% |
| Q3 2025 | 4.04% | 1.14% | 2.88% | 5.09% | 2.96% |
| Q4 2025 | 4.15% | 1.09% | 3.06% | 5.17% | 3.21% |
| Q1 2026 | 4.05% | 1.01% | 3.01% | 5.13% | 3.13% |
| Q2 2026 | 4.20% | 1.01% | 3.19% | 5.31% | 3.26% |
First Federal Bank of Ohio 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 Federal Bank of Ohio, 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 Federal Bank of Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27643) · FFIEC NIC profile (RSSD 207470)