GSL 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: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 2.62%. Within New Jersey, GSL Savings Bank is 38th of 49 on net interest margin, 2.62% as of Q2 2026, below the middle of the field. GSL Savings Bank reported 2.62% on net interest margin for Q2 2026, 1.33 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.07% |
| Yield on loans | 5.55% |
| Yield on securities | 2.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.69% |
| Cost of interest-bearing deposits | 2.71% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 2.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.62% |
| Yield to cost spread | 2.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $917K |
| Interest expense on deposits | $785K |
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 | 4.60% | 1.19% | 3.03% | 4.92% | 2.72% |
| Q4 2023 | 5.03% | 2.25% | 2.19% | 5.33% | 3.17% |
| Q1 2024 | 5.30% | 2.60% | 2.05% | 5.51% | 3.85% |
| Q2 2024 | 5.62% | 2.60% | 2.28% | 5.97% | 3.66% |
| Q3 2024 | 5.47% | 2.69% | 2.08% | 5.83% | 4.07% |
| Q4 2024 | 5.34% | 3.12% | 2.19% | 5.81% | 3.66% |
| Q1 2025 | 5.24% | 2.89% | 2.34% | 5.76% | 3.31% |
| Q2 2025 | 5.25% | 2.89% | 2.35% | 5.80% | 3.11% |
| Q3 2025 | 5.62% | 2.90% | 2.62% | 6.25% | 2.99% |
| Q4 2025 | 5.86% | 2.80% | 2.96% | 6.54% | 2.73% |
| Q1 2026 | 4.94% | 2.65% | 2.53% | 5.36% | 2.42% |
| Q2 2026 | 5.07% | 2.69% | 2.62% | 5.55% | 2.31% |
GSL 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 GSL 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 GSL Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28708) · FFIEC NIC profile (RSSD 564678)