First Federal Savings of Middletown: 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, Yield on securities rose 0.36 percentage points in Q2 2026 to 4.35%, the biggest move on this page. On net interest margin, First Federal Savings of Middletown ranks 3rd highest among the 105 banks headquartered in New York, at 5.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Federal Savings of Middletown sits 1.28 points higher, at 5.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | 6.71% |
| Yield on securities | 4.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.23% |
| Yield to cost spread | 4.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $520K |
| Interest expense on deposits | $520K |
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 | 6.62% | 1.60% | 5.57% | 7.38% | 3.09% |
| Q4 2023 | 6.30% | 1.76% | 5.16% | 6.95% | 3.03% |
| Q1 2024 | 6.35% | 1.93% | 5.10% | 6.93% | 2.87% |
| Q2 2024 | 6.53% | 2.08% | 5.17% | 6.98% | 2.88% |
| Q3 2024 | 6.65% | 2.15% | 5.24% | 7.11% | 3.02% |
| Q4 2024 | 6.54% | 2.23% | 5.07% | 6.94% | 2.75% |
| Q1 2025 | 6.25% | 2.01% | 4.98% | 6.53% | 2.80% |
| Q2 2025 | 6.65% | 1.96% | 5.42% | 6.96% | 2.92% |
| Q3 2025 | 6.53% | 2.00% | 5.26% | 6.70% | 2.89% |
| Q4 2025 | 6.37% | 2.05% | 5.12% | 6.67% | 4.91% |
| Q1 2026 | 6.21% | 1.85% | 5.07% | 6.75% | 3.99% |
| Q2 2026 | 6.43% | 1.89% | 5.23% | 6.71% | 4.35% |
First Federal Savings of Middletown 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 of Middletown, 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 of Middletown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28712) · FFIEC NIC profile (RSSD 565170)