First Federal Savings and Loan Association: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged down 0.05 percentage points between Q1 2026 and Q2 2026, to 3.97%. First Federal Savings and Loan Association ranks 61st of 119 Kentucky banks on net interest margin, in the lower half at 3.97% (Q2 2026). At 3.97%, First Federal Savings and Loan Association's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.45% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.90% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $595K |
| Total interest expense | $216K |
| Interest expense on deposits | $216K |
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 |
|---|---|---|---|---|
| Q3 2023 | 4.62% | 1.89% | 3.26% | 4.65% |
| Q4 2023 | 5.06% | 2.54% | 3.29% | 5.21% |
| Q1 2024 | 5.52% | 3.00% | 3.45% | 5.68% |
| Q2 2024 | 5.86% | 3.22% | 3.60% | 5.98% |
| Q3 2024 | 5.74% | 3.44% | 3.31% | 5.85% |
| Q4 2024 | 5.72% | 3.46% | 3.26% | 5.96% |
| Q1 2025 | 5.76% | 3.31% | 3.49% | 6.02% |
| Q2 2025 | 6.02% | 3.37% | 3.70% | 6.31% |
| Q3 2025 | 5.70% | 3.22% | 3.48% | 5.97% |
| Q4 2025 | 5.79% | 3.00% | 3.63% | 6.08% |
| Q1 2026 | 6.08% | 2.83% | 4.02% | 6.42% |
| Q2 2026 | 6.08% | 2.90% | 3.97% | 6.45% |
First Federal Savings and Loan Association 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 Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31409) · FFIEC NIC profile (RSSD 411174)