Haddon 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.
Compared with Q1 2026, Total interest expense rose 4.9% in Q2 2026 to $2.9M, the biggest move on this page. On net interest margin, Haddon Savings Bank is 4th from the bottom among 49 New Jersey banks, 1.70% (Q2 2026). Haddon Savings Bank's net interest margin of 1.70% is well below the 3.94% median for banks in the $100M-1B asset tier, a gap of 2.24 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.46% |
| Yield on loans | 5.69% |
| Yield on securities | 2.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.98% |
| Cost of interest-bearing deposits | 2.80% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 4.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.70% |
| Yield to cost spread | 1.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.5M |
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 | 3.14% | 1.95% | 1.35% | 4.21% | 1.89% |
| Q4 2023 | 3.32% | 2.38% | 1.13% | 4.47% | 1.95% |
| Q1 2024 | 3.52% | 2.49% | 1.23% | 4.70% | 2.00% |
| Q2 2024 | 3.60% | 2.79% | 1.02% | 4.77% | 1.98% |
| Q3 2024 | 3.94% | 2.98% | 1.16% | 5.13% | 2.04% |
| Q4 2024 | 4.05% | 3.02% | 1.25% | 5.25% | 2.04% |
| Q1 2025 | 4.14% | 2.94% | 1.40% | 5.33% | 2.04% |
| Q2 2025 | 4.23% | 2.96% | 1.47% | 5.46% | 2.02% |
| Q3 2025 | 4.31% | 3.00% | 1.52% | 5.55% | 2.00% |
| Q4 2025 | 4.33% | 3.04% | 1.51% | 5.51% | 2.02% |
| Q1 2026 | 4.37% | 2.95% | 1.64% | 5.57% | 2.00% |
| Q2 2026 | 4.46% | 2.98% | 1.70% | 5.69% | 2.13% |
Haddon 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 Haddon 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 Haddon Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28222) · FFIEC NIC profile (RSSD 1008076)