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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.19 percentage points between Q1 2026 and Q2 2026, to 2.70%. Within New Hampshire, Franklin Savings Bank is 6th of 16 on net interest margin, 3.36% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Franklin Savings Bank sits 0.59 points lower, at 3.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 5.68% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 3.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.3M |
| Total interest expense | $4.0M |
| Interest expense on deposits | $3.3M |
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 | 4.14% | 1.59% | 2.63% | 4.73% | 2.27% |
| Q4 2023 | 4.22% | 1.78% | 2.55% | 4.84% | 2.26% |
| Q1 2024 | 4.33% | 1.97% | 2.46% | 4.88% | 2.45% |
| Q2 2024 | 4.42% | 2.15% | 2.40% | 5.00% | 2.46% |
| Q3 2024 | 4.64% | 2.29% | 2.48% | 5.24% | 2.53% |
| Q4 2024 | 4.60% | 2.17% | 2.59% | 5.14% | 2.64% |
| Q1 2025 | 4.64% | 2.15% | 2.65% | 5.16% | 2.70% |
| Q2 2025 | 4.87% | 2.21% | 2.86% | 5.41% | 2.62% |
| Q3 2025 | 5.05% | 2.11% | 3.06% | 5.57% | 2.62% |
| Q4 2025 | 5.12% | 2.06% | 3.18% | 5.63% | 2.54% |
| Q1 2026 | 5.09% | 1.92% | 3.27% | 5.60% | 2.51% |
| Q2 2026 | 5.16% | 1.91% | 3.36% | 5.68% | 2.70% |
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 17951) · FFIEC NIC profile (RSSD 491402)