First Federal Savings and Loan Association of Bath: 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 standout move of Q2 2026 was in Cost of borrowings: 0.81 percentage points lower than in Q1 2026, at 3.83%. On net interest margin, First Federal Savings and Loan Association of Bath ranks 3rd highest among the 22 banks headquartered in Maine, at 4.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; First Federal Savings and Loan Association of Bath reported 4.03% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 5.33% |
| Yield on securities | 3.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 1.15% |
| Cost of interest-bearing liabilities | 1.40% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $501K |
| Interest expense on deposits | $375K |
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 | 4.63% | 0.99% | 3.72% | 5.14% | 1.17% |
| Q4 2023 | 4.75% | 0.97% | 3.85% | 5.20% | 1.34% |
| Q1 2024 | 4.66% | 1.15% | 3.60% | 5.02% | 1.48% |
| Q2 2024 | 4.59% | 1.38% | 3.33% | 4.94% | 1.08% |
| Q3 2024 | 5.14% | 1.43% | 3.72% | 5.41% | 1.75% |
| Q4 2024 | 4.93% | 1.64% | 3.43% | 5.15% | 1.64% |
| Q1 2025 | 4.89% | 1.60% | 3.42% | 5.12% | 1.77% |
| Q2 2025 | 4.97% | 1.52% | 3.57% | 5.15% | 2.18% |
| Q3 2025 | 5.14% | 1.49% | 3.78% | 5.38% | 1.78% |
| Q4 2025 | 5.22% | 1.42% | 3.93% | 5.28% | 3.42% |
| Q1 2026 | 5.35% | 1.39% | 4.09% | 5.51% | 2.96% |
| Q2 2026 | 5.23% | 1.32% | 4.03% | 5.33% | 3.35% |
First Federal Savings and Loan Association of Bath 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 of Bath, 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 of Bath profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29636) · FFIEC NIC profile (RSSD 583071)