Hancock County Savings Bank, F.S.B.: 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 6.2% to $1.3M. Hancock County Savings Bank, F.S.B. ranks 32nd of 41 West Virginia banks on net interest margin, in the lower half at 3.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Hancock County Savings Bank, F.S.B. sits 0.35 points lower, at 3.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.68% |
| Yield on loans | 4.77% |
| Yield on securities | 4.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 1.44% |
| Cost of interest-bearing liabilities | 1.45% |
| Cost of borrowings | 1.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.2M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 4.00% | 1.08% | 3.09% | 4.18% | 2.11% |
| Q4 2023 | 4.17% | 1.35% | 3.05% | 4.27% | 3.48% |
| Q1 2024 | 4.26% | 1.39% | 3.10% | 4.34% | 3.66% |
| Q2 2024 | 4.31% | 1.37% | 3.16% | 4.38% | 3.51% |
| Q3 2024 | 4.37% | 1.55% | 3.08% | 4.47% | 3.32% |
| Q4 2024 | 4.44% | 1.58% | 3.13% | 4.52% | 3.33% |
| Q1 2025 | 4.42% | 1.56% | 3.12% | 4.55% | 3.38% |
| Q2 2025 | 4.54% | 1.50% | 3.32% | 4.61% | 3.76% |
| Q3 2025 | 4.57% | 1.38% | 3.46% | 4.66% | 3.97% |
| Q4 2025 | 4.62% | 1.35% | 3.52% | 4.70% | 3.98% |
| Q1 2026 | 4.60% | 1.28% | 3.55% | 4.72% | 4.18% |
| Q2 2026 | 4.68% | 1.32% | 3.60% | 4.77% | 4.55% |
Hancock County Savings Bank, F.S.B. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hancock County Savings Bank, F.S.B., 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 Hancock County Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29035) · FFIEC NIC profile (RSSD 888271)