First Shore Federal 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 0.07 percentage points between Q1 2026 and Q2 2026, to 3.45%. First Shore Federal Savings and Loan Association ranks 18th of 27 Maryland banks on net interest margin, in the lower half at 3.45% (Q2 2026). First Shore Federal Savings and Loan Association reported 3.45% on net interest margin for Q2 2026, 0.50 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | 5.92% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.87% |
| Cost of interest-bearing liabilities | 2.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.45% |
| Yield to cost spread | 2.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.8M |
| 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 | 4.79% | 1.68% | 3.29% | 5.12% | 2.24% |
| Q4 2023 | 4.98% | 1.99% | 3.23% | 5.23% | 2.24% |
| Q1 2024 | 5.15% | 2.25% | 3.16% | 5.48% | 2.33% |
| Q2 2024 | 5.26% | 2.41% | 3.15% | 5.50% | 2.57% |
| Q3 2024 | 5.30% | 2.53% | 3.06% | 5.60% | 2.64% |
| Q4 2024 | 5.36% | 2.55% | 3.13% | 5.68% | 2.87% |
| Q1 2025 | 5.25% | 2.47% | 3.09% | 5.65% | 2.90% |
| Q2 2025 | 5.43% | 2.55% | 3.23% | 5.78% | 2.89% |
| Q3 2025 | 5.54% | 2.47% | 3.39% | 5.91% | 2.99% |
| Q4 2025 | 6.30% | 2.35% | 3.95% | 6.86% | 3.08% |
| Q1 2026 | 5.45% | 2.15% | 3.38% | 5.85% | 3.06% |
| Q2 2026 | 5.52% | 2.16% | 3.45% | 5.92% | 3.11% |
First Shore Federal 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 Shore Federal 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 Shore Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30680) · FFIEC NIC profile (RSSD 59370)