Geddes 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 2.7% to $4.4M. On net interest margin, Geddes Federal Savings and Loan Association is 5th from the bottom among 105 New York banks, 1.81% (Q2 2026). Geddes Federal Savings and Loan Association's net interest margin of 1.81% is well below the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.14 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.44% |
| Yield on loans | 4.59% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.02% |
| Cost of interest-bearing deposits | 2.99% |
| Cost of interest-bearing liabilities | 3.15% |
| Cost of borrowings | 4.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.81% |
| Yield to cost spread | 1.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $3.6M |
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 | 3.80% | 2.54% | 1.63% | 3.82% | 3.29% |
| Q4 2023 | 3.91% | 2.87% | 1.42% | 3.91% | 3.32% |
| Q1 2024 | 4.01% | 3.04% | 1.35% | 3.98% | 3.31% |
| Q2 2024 | 4.09% | 3.18% | 1.31% | 4.04% | 3.28% |
| Q3 2024 | 4.20% | 3.32% | 1.33% | 4.16% | 3.13% |
| Q4 2024 | 4.22% | 3.36% | 1.30% | 4.26% | 3.06% |
| Q1 2025 | 4.23% | 3.23% | 1.42% | 4.28% | 3.08% |
| Q2 2025 | 4.36% | 3.23% | 1.56% | 4.44% | 3.08% |
| Q3 2025 | 4.46% | 3.19% | 1.71% | 4.55% | 3.25% |
| Q4 2025 | 4.30% | 3.19% | 1.55% | 4.39% | 3.17% |
| Q1 2026 | 4.40% | 3.04% | 1.76% | 4.51% | 3.10% |
| Q2 2026 | 4.44% | 3.02% | 1.81% | 4.59% | 3.04% |
Geddes 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 Geddes 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 Geddes Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30397) · FFIEC NIC profile (RSSD 451273)