First Federal Savings and Loan Association of Delta: 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, Yield on loans edged up by 0.15 percentage points, from 5.05% to 5.20%, the largest move among the key lines here. Within Ohio, First Federal Savings and Loan Association of Delta is 76th of 156 on net interest margin, 3.71% as of Q2 2026, above the middle of the field. First Federal Savings and Loan Association of Delta reported 3.71% on net interest margin for Q2 2026, 0.24 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.37% |
| Yield on loans | 5.18% |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.75% |
| Cost of interest-bearing deposits | 0.84% |
| Cost of interest-bearing liabilities | 0.84% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $391K |
| Interest expense on deposits | $391K |
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 | 3.75% | 0.64% | 3.26% | 4.28% | 3.09% |
| Q4 2023 | 3.84% | 0.76% | 3.27% | 4.38% | 3.18% |
| Q1 2024 | 3.91% | 0.83% | 3.29% | 4.46% | 3.22% |
| Q2 2024 | 3.95% | 0.92% | 3.28% | 4.53% | 3.23% |
| Q3 2024 | 4.21% | 0.99% | 3.47% | 4.66% | 3.62% |
| Q4 2024 | 4.26% | 0.87% | 3.49% | 4.72% | 3.77% |
| Q1 2025 | 4.22% | 0.84% | 3.47% | 4.76% | 3.61% |
| Q2 2025 | 4.28% | 0.88% | 3.50% | 4.85% | 3.67% |
| Q3 2025 | 4.43% | 0.88% | 3.65% | 4.91% | 3.90% |
| Q4 2025 | 4.39% | 0.82% | 3.67% | 5.04% | 3.80% |
| Q1 2026 | 4.31% | 0.75% | 3.65% | 5.05% | 3.62% |
| Q2 2026 | 4.37% | 0.75% | 3.71% | 5.18% | 3.63% |
First Federal Savings and Loan Association of Delta 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 Delta, 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 Delta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29345) · FFIEC NIC profile (RSSD 80374)