First Federal Savings and Loan Association of Lakewood: 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: Total interest expense edged up 1.1% between Q1 2026 and Q2 2026, to $16.1M. On net interest margin, First Federal Savings and Loan Association of Lakewood is 10th from the bottom among 156 Ohio banks, 2.26% (Q2 2026). First Federal Savings and Loan Association of Lakewood reported 2.26% on net interest margin for Q2 2026, 1.45 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 3.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.26% |
| Yield to cost spread | 1.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.0M |
| Total interest expense | $16.1M |
| Interest expense on deposits | $12.6M |
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 |
|---|---|---|---|
| Q3 2023 | 4.32% | 2.36% | 2.06% |
| Q4 2023 | 4.52% | 2.51% | 2.13% |
| Q1 2024 | 4.59% | 2.68% | 2.07% |
| Q2 2024 | 4.65% | 2.73% | 2.10% |
| Q3 2024 | 4.76% | 2.87% | 2.01% |
| Q4 2024 | 4.71% | 2.81% | 2.03% |
| Q1 2025 | 4.60% | 2.59% | 2.11% |
| Q2 2025 | 4.67% | 2.56% | 2.23% |
| Q3 2025 | 4.69% | 2.54% | 2.25% |
| Q4 2025 | 4.69% | 2.52% | 2.27% |
| Q1 2026 | 4.56% | 2.40% | 2.25% |
| Q2 2026 | 4.58% | 2.42% | 2.26% |
First Federal Savings and Loan Association of Lakewood 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 Lakewood, 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 Lakewood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29488) · FFIEC NIC profile (RSSD 318974)