First Savings and Loan Association: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 2.60%. Within North Carolina, First Savings and Loan Association is 34th of 38 on net interest margin, 2.60% as of Q2 2026, below the middle of the field. First Savings and Loan Association reported 2.60% on net interest margin for Q2 2026, 1.29 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 5.97% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.98% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.60% |
| Yield to cost spread | 1.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $529K |
| Total interest expense | $313K |
| Interest expense on deposits | $313K |
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 | 4.63% | 3.03% | 2.16% | 5.52% | 2.28% |
| Q4 2023 | 4.49% | 3.30% | 1.80% | 5.23% | 2.34% |
| Q1 2024 | 4.69% | 3.55% | 1.80% | 5.62% | 2.12% |
| Q2 2024 | 4.73% | 3.67% | 1.77% | 5.75% | 2.04% |
| Q3 2024 | 4.82% | 3.80% | 1.76% | 5.85% | 2.05% |
| Q4 2024 | 4.84% | 3.83% | 1.74% | 5.94% | 2.09% |
| Q1 2025 | 4.67% | 3.72% | 1.64% | 5.59% | 2.09% |
| Q2 2025 | 4.68% | 3.46% | 1.90% | 5.61% | 2.21% |
| Q3 2025 | 4.80% | 3.42% | 2.05% | 5.62% | 2.45% |
| Q4 2025 | 4.95% | 3.25% | 2.36% | 5.88% | 2.32% |
| Q1 2026 | 4.97% | 3.09% | 2.51% | 5.87% | 2.62% |
| Q2 2026 | 5.00% | 2.98% | 2.60% | 5.97% | 2.79% |
First Savings and Loan Association 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 Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30358) · FFIEC NIC profile (RSSD 141677)