Greenville Federal: 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.
Cost of borrowings dropped 15.86 percentage points in Q2 2026, from 20.25% to 4.40%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Greenville Federal is 105th of 156 on net interest margin, 3.39% as of Q2 2026, below the middle of the field. Greenville Federal reported 3.39% on net interest margin for Q2 2026, 0.56 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 5.62% |
| Yield on securities | 2.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 4.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.47% | 1.35% | 3.07% | 4.69% | 2.29% |
| Q4 2023 | 4.42% | 1.57% | 2.87% | 4.60% | 2.31% |
| Q1 2024 | 4.47% | 1.73% | 2.73% | 4.67% | 2.22% |
| Q2 2024 | 4.77% | 1.90% | 2.83% | 5.01% | 2.20% |
| Q3 2024 | 4.83% | 1.98% | 2.86% | 5.06% | 2.20% |
| Q4 2024 | 4.86% | 2.16% | 2.80% | 5.12% | 2.10% |
| Q1 2025 | 4.94% | 1.98% | 3.05% | 5.19% | 2.20% |
| Q2 2025 | 5.06% | 1.93% | 3.15% | 5.32% | 2.18% |
| Q3 2025 | 5.12% | 2.07% | 3.17% | 5.37% | 2.18% |
| Q4 2025 | 5.37% | 2.04% | 3.36% | 5.66% | 2.44% |
| Q1 2026 | 5.30% | 1.86% | 3.40% | 5.60% | 2.25% |
| Q2 2026 | 5.26% | 1.88% | 3.39% | 5.62% | 2.10% |
Greenville Federal yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Greenville Federal, 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 Greenville Federal profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27965) · FFIEC NIC profile (RSSD 567679)