Franklin 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.
The standout move of Q2 2026 was in Cost of borrowings: 1.04 percentage points higher than in Q1 2026, at 3.83%. Among 22 Maine banks, Franklin Savings Bank sits 2nd from the top on net interest margin, 4.43% as of Q2 2026. Franklin Savings Bank reported 4.43% on net interest margin for Q2 2026, 0.48 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.37% |
| Yield on securities | 2.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.43% |
| Yield to cost spread | 3.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.7M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.8M |
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 | 5.03% | 1.56% | 3.82% | 5.40% | 2.26% |
| Q4 2023 | 5.17% | 1.98% | 3.55% | 5.52% | 2.25% |
| Q1 2024 | 5.28% | 2.05% | 3.55% | 5.63% | 2.26% |
| Q2 2024 | 5.42% | 2.17% | 3.60% | 5.78% | 2.22% |
| Q3 2024 | 5.64% | 2.32% | 3.68% | 5.98% | 2.26% |
| Q4 2024 | 5.73% | 2.30% | 3.79% | 6.06% | 2.29% |
| Q1 2025 | 5.68% | 2.18% | 3.82% | 6.01% | 2.32% |
| Q2 2025 | 5.86% | 2.10% | 4.06% | 6.16% | 2.59% |
| Q3 2025 | 5.99% | 2.14% | 4.17% | 6.31% | 2.47% |
| Q4 2025 | 6.01% | 2.07% | 4.24% | 6.32% | 2.45% |
| Q1 2026 | 5.99% | 1.91% | 4.36% | 6.29% | 2.44% |
| Q2 2026 | 6.08% | 1.93% | 4.43% | 6.37% | 2.41% |
Franklin 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 Franklin 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 Franklin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19836) · FFIEC NIC profile (RSSD 228000)