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.
Compared with Q1 2026, Total interest expense fell 3.1% in Q2 2026 to $3.0M, the biggest move on this page. Within Indiana, First Federal Savings Bank is 67th of 87 on net interest margin, 3.26% as of Q2 2026, below the middle of the field. First Federal Savings Bank reported 3.26% on net interest margin for Q2 2026, 0.69 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 6.09% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.5M |
| Total interest expense | $3.0M |
| 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 | 5.16% | 2.45% | 2.81% | 5.66% | 3.15% |
| Q4 2023 | 5.28% | 2.51% | 2.74% | 5.80% | 3.15% |
| Q1 2024 | 5.31% | 2.62% | 2.66% | 5.83% | 3.17% |
| Q2 2024 | 5.38% | 2.61% | 2.75% | 5.84% | 3.12% |
| Q3 2024 | 5.53% | 2.65% | 2.85% | 6.02% | 3.09% |
| Q4 2024 | 5.40% | 2.53% | 2.85% | 5.87% | 3.03% |
| Q1 2025 | 5.23% | 2.44% | 2.75% | 5.71% | 3.03% |
| Q2 2025 | 5.36% | 2.50% | 2.83% | 5.89% | 3.03% |
| Q3 2025 | 5.50% | 2.46% | 3.01% | 6.09% | 3.05% |
| Q4 2025 | 5.53% | 2.42% | 3.09% | 6.12% | 3.05% |
| Q1 2026 | 5.41% | 2.27% | 3.12% | 5.99% | 3.03% |
| Q2 2026 | 5.50% | 2.21% | 3.26% | 6.09% | 3.08% |
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 29056) · FFIEC NIC profile (RSSD 613679)