First Federal Savings Bank: 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 standout move of Q2 2026 was in Yield on securities: 3.40 percentage points higher than in Q1 2026, at 6.90%. Within Indiana, First Federal Savings Bank is 54th of 87 on net interest margin, 3.49% as of Q2 2026, below the middle of the field. First Federal Savings Bank reported 3.49% on net interest margin for Q2 2026, 0.46 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | 5.62% |
| Yield on securities | 6.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 3.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.49% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $2.6M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.57% | 2.44% | 2.42% | 4.68% | 2.51% |
| Q4 2023 | 5.00% | 2.59% | 2.69% | 5.08% | 4.27% |
| Q1 2024 | 4.95% | 2.60% | 2.48% | 5.06% | 2.87% |
| Q2 2024 | 5.19% | 2.83% | 2.56% | 5.22% | 2.93% |
| Q3 2024 | 5.28% | 2.98% | 2.53% | 5.38% | 3.01% |
| Q4 2024 | 5.45% | 2.76% | 2.85% | 5.50% | 3.15% |
| Q1 2025 | 5.14% | 2.48% | 2.86% | 5.22% | 3.30% |
| Q2 2025 | 5.24% | 2.44% | 3.04% | 5.27% | 3.55% |
| Q3 2025 | 5.40% | 2.35% | 3.21% | 5.47% | 3.28% |
| Q4 2025 | 5.55% | 2.38% | 3.36% | 5.62% | 3.38% |
| Q1 2026 | 5.36% | 2.23% | 3.30% | 5.44% | 3.50% |
| Q2 2026 | 5.53% | 2.24% | 3.49% | 5.62% | 6.90% |
First Federal Savings Bank 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 Bank, 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31516) · FFIEC NIC profile (RSSD 257578)