First Federal Savings and Loan Association of Lorain: 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, Total interest expense edged down by 1.8%, from $2.9M to $2.9M, the largest move among the key lines here. On net interest margin, First Federal Savings and Loan Association of Lorain is 9th from the bottom among 156 Ohio banks, 2.24% (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 Lorain sits 1.71 points lower, at 2.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.35% |
| Yield on loans | 4.79% |
| Yield on securities | 1.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | 4.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.24% |
| Yield to cost spread | 1.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.7M |
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 | 3.40% | 2.00% | 1.53% | 4.23% | 1.21% |
| Q4 2023 | 3.40% | 2.32% | 1.23% | 4.21% | 1.24% |
| Q1 2024 | 3.43% | 2.45% | 1.14% | 4.25% | 1.25% |
| Q2 2024 | 3.49% | 2.51% | 1.13% | 4.31% | 1.21% |
| Q3 2024 | 3.54% | 2.61% | 1.09% | 4.31% | 1.27% |
| Q4 2024 | 3.90% | 2.65% | 1.44% | 4.72% | 1.26% |
| Q1 2025 | 3.84% | 2.32% | 1.68% | 4.47% | 1.46% |
| Q2 2025 | 4.04% | 2.41% | 1.90% | 4.62% | 1.47% |
| Q3 2025 | 4.24% | 2.38% | 2.00% | 4.74% | 1.55% |
| Q4 2025 | 4.33% | 2.34% | 2.11% | 4.81% | 1.58% |
| Q1 2026 | 4.34% | 2.27% | 2.19% | 4.84% | 1.55% |
| Q2 2026 | 4.35% | 2.24% | 2.24% | 4.79% | 1.57% |
First Federal Savings and Loan Association of Lorain 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 Lorain, 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 Lorain profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29838) · FFIEC NIC profile (RSSD 144678)