First Federal Savings & Loan Association of Pascagoula-Moss Point: 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 Cost of borrowings, which fell 0.48 percentage points to 1.82%. On net interest margin, First Federal Savings & Loan Association of Pascagoula-Moss Point is 1st from the bottom among 57 Mississippi banks, 2.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Federal Savings & Loan Association of Pascagoula-Moss Point sits 1.29 points lower, at 2.66% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 5.52% |
| Yield on securities | 3.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.40% |
| Cost of interest-bearing deposits | 3.00% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 1.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.66% |
| Yield to cost spread | 2.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $1.8M |
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 | 4.67% | 1.76% | 2.74% | 4.89% | 3.39% |
| Q4 2023 | 4.75% | 1.97% | 2.61% | 4.95% | 3.40% |
| Q1 2024 | 4.82% | 2.19% | 2.45% | 5.04% | 3.40% |
| Q2 2024 | 4.90% | 2.44% | 2.29% | 5.06% | 3.40% |
| Q3 2024 | 4.93% | 2.57% | 2.14% | 5.11% | 3.40% |
| Q4 2024 | 4.98% | 2.66% | 2.13% | 5.23% | 3.29% |
| Q1 2025 | 5.02% | 2.62% | 2.23% | 5.25% | 3.13% |
| Q2 2025 | 5.16% | 2.66% | 2.35% | 5.40% | 3.27% |
| Q3 2025 | 5.21% | 2.67% | 2.40% | 5.46% | 3.26% |
| Q4 2025 | 5.22% | 2.61% | 2.44% | 5.48% | 3.24% |
| Q1 2026 | 5.26% | 2.50% | 2.58% | 5.52% | 3.30% |
| Q2 2026 | 5.23% | 2.40% | 2.66% | 5.52% | 3.43% |
First Federal Savings & Loan Association of Pascagoula-Moss Point 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 & Loan Association of Pascagoula-Moss Point, 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 & Loan Association of Pascagoula-Moss Point profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30812) · FFIEC NIC profile (RSSD 90177)