First Federal Savings and Loan Association of Van Wert, Oh: 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 0.13 percentage points to 3.22%. First Federal Savings and Loan Association of Van Wert, Oh ranks 111th of 156 Ohio banks on net interest margin, in the lower half at 3.22% (Q2 2026). First Federal Savings and Loan Association of Van Wert, Oh reported 3.22% on net interest margin for Q2 2026, 0.73 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.07% |
| Yield on loans | 5.50% |
| Yield on securities | 3.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $832K |
| Interest expense on deposits | $831K |
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 | 3.85% | 1.25% | 2.70% | 4.22% | 2.86% |
| Q4 2023 | 3.69% | 1.49% | 2.36% | 4.34% | 3.09% |
| Q1 2024 | 4.24% | 1.62% | 2.78% | 4.48% | 3.08% |
| Q2 2024 | 4.43% | 1.99% | 2.62% | 5.15% | 2.94% |
| Q3 2024 | 4.69% | 2.33% | 2.42% | 4.96% | 3.30% |
| Q4 2024 | 4.72% | 2.60% | 2.38% | 5.21% | 3.06% |
| Q1 2025 | 4.62% | 2.45% | 2.38% | 5.11% | 3.18% |
| Q2 2025 | 4.55% | 2.16% | 2.61% | 4.98% | 3.24% |
| Q3 2025 | 4.85% | 2.15% | 2.81% | 5.37% | 3.32% |
| Q4 2025 | 4.82% | 2.04% | 2.79% | 5.40% | 3.13% |
| Q1 2026 | 4.88% | 1.91% | 3.09% | 5.35% | 3.27% |
| Q2 2026 | 5.07% | 1.96% | 3.22% | 5.50% | 3.24% |
First Federal Savings and Loan Association of Van Wert, Oh 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 Van Wert, Oh, 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 Van Wert, Oh profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29135) · FFIEC NIC profile (RSSD 820879)