Fulton 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.37 percentage points to 3.66%. Within New York, Fulton Savings Bank is 34th of 105 on net interest margin, 3.86% as of Q2 2026, above the middle of the field. At 3.86%, Fulton Savings Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.35% |
| Yield on loans | 5.30% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.64% |
| Cost of interest-bearing deposits | 0.05% |
| Cost of interest-bearing liabilities | 0.87% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $546K |
| Interest expense on deposits | $23K |
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 | 4.21% | 0.51% | 3.80% | 4.72% | 3.41% |
| Q4 2023 | 4.34% | 0.63% | 3.83% | 4.87% | 3.03% |
| Q1 2024 | 4.18% | 0.69% | 3.64% | 4.89% | 3.17% |
| Q2 2024 | 4.30% | 0.65% | 3.80% | 5.01% | 3.23% |
| Q3 2024 | 4.38% | 0.67% | 3.86% | 5.08% | 3.23% |
| Q4 2024 | 4.53% | 0.85% | 3.87% | 5.14% | 3.24% |
| Q1 2025 | 4.25% | 0.73% | 3.69% | 5.05% | 3.21% |
| Q2 2025 | 4.33% | 0.69% | 3.79% | 5.14% | 3.24% |
| Q3 2025 | 4.30% | 0.68% | 3.78% | 5.19% | 3.22% |
| Q4 2025 | 4.54% | 0.75% | 3.97% | 5.30% | 3.20% |
| Q1 2026 | 4.30% | 0.75% | 3.73% | 5.17% | 3.22% |
| Q2 2026 | 4.35% | 0.64% | 3.86% | 5.30% | 3.18% |
Fulton 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 Fulton 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 Fulton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15966) · FFIEC NIC profile (RSSD 900502)