First Federal Savings and Loan Association of McMinnville: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.19 percentage points to 3.11%. First Federal Savings and Loan Association of McMinnville has the 1st lowest net interest margin of the 12 banks headquartered in Oregon, at 3.11% as of 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 McMinnville sits 0.84 points lower, at 3.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.38% |
| Yield on loans | 5.38% |
| Yield on securities | 2.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.61% |
| Cost of borrowings | 3.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.11% |
| Yield to cost spread | 2.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.9M |
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 | 3.34% | 0.85% | 2.58% | 4.53% | 1.47% |
| Q4 2023 | 3.57% | 1.16% | 2.51% | 4.80% | 1.46% |
| Q1 2024 | 3.68% | 1.39% | 2.41% | 4.92% | 1.45% |
| Q2 2024 | 3.75% | 1.45% | 2.42% | 4.98% | 1.44% |
| Q3 2024 | 4.00% | 1.59% | 2.54% | 5.28% | 1.46% |
| Q4 2024 | 4.03% | 1.63% | 2.54% | 5.14% | 1.51% |
| Q1 2025 | 4.00% | 1.58% | 2.54% | 5.04% | 1.54% |
| Q2 2025 | 4.11% | 1.53% | 2.71% | 5.20% | 1.53% |
| Q3 2025 | 4.25% | 1.52% | 2.87% | 5.26% | 1.60% |
| Q4 2025 | 4.32% | 1.54% | 2.92% | 5.32% | 1.78% |
| Q1 2026 | 4.27% | 1.47% | 2.92% | 5.26% | 2.13% |
| Q2 2026 | 4.38% | 1.40% | 3.11% | 5.38% | 2.37% |
First Federal Savings and Loan Association of McMinnville 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 McMinnville, 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 McMinnville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29624) · FFIEC NIC profile (RSSD 90579)