Guardian 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: Total interest expense edged up 0.7% between Q1 2026 and Q2 2026, to $9.1M. Within Ohio, Guardian Savings Bank is 130th of 156 on net interest margin, 2.95% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Guardian Savings Bank sits 0.76 points lower, at 2.95% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 6.06% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.98% |
| Cost of interest-bearing deposits | 3.21% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.95% |
| Yield to cost spread | 2.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.6M |
| Total interest expense | $9.1M |
| Interest expense on deposits | $9.1M |
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 |
|---|---|---|---|---|
| Q3 2023 | 4.57% | 2.53% | 2.32% | 4.47% |
| Q4 2023 | 5.11% | 3.11% | 2.32% | 5.08% |
| Q1 2024 | 5.22% | 3.46% | 2.13% | 5.17% |
| Q2 2024 | 5.44% | 3.64% | 2.22% | 5.44% |
| Q3 2024 | 5.61% | 3.75% | 2.25% | 5.62% |
| Q4 2024 | 5.68% | 3.64% | 2.33% | 5.83% |
| Q1 2025 | 5.46% | 3.42% | 2.37% | 5.66% |
| Q2 2025 | 5.53% | 3.28% | 2.60% | 5.78% |
| Q3 2025 | 5.60% | 3.21% | 2.75% | 5.79% |
| Q4 2025 | 5.68% | 3.12% | 2.84% | 5.92% |
| Q1 2026 | 5.62% | 2.97% | 2.92% | 6.00% |
| Q2 2026 | 5.63% | 2.98% | 2.95% | 6.06% |
Guardian 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 Guardian 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 Guardian Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27998) · FFIEC NIC profile (RSSD 727174)