The Harrison Building and Loan Association: 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.
Net interest margin climbed 0.38 percentage points in Q2 2026, from 3.44% to 3.82%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Harrison Building and Loan Association is 70th of 156 on net interest margin, 3.82% as of Q2 2026, above the middle of the field. The Harrison Building and Loan Association reported 3.82% on net interest margin for Q2 2026, 0.13 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.71% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 1.77% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $866K |
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% | 1.55% | 3.11% | 5.13% | 3.82% |
| Q4 2023 | 4.69% | 1.80% | 3.11% | 5.44% | 3.84% |
| Q1 2024 | 4.64% | 2.02% | 2.88% | 5.56% | 3.67% |
| Q2 2024 | 4.93% | 2.14% | 3.07% | 5.81% | 4.00% |
| Q3 2024 | 4.91% | 2.19% | 3.01% | 5.86% | 3.93% |
| Q4 2024 | 4.91% | 2.18% | 3.03% | 5.98% | 3.87% |
| Q1 2025 | 4.88% | 2.15% | 3.01% | 6.01% | 3.74% |
| Q2 2025 | 5.05% | 2.14% | 3.20% | 6.23% | 3.82% |
| Q3 2025 | 5.13% | 2.15% | 3.26% | 6.27% | 3.85% |
| Q4 2025 | 5.18% | 2.10% | 3.36% | 6.31% | 3.78% |
| Q1 2026 | 5.16% | 1.99% | 3.44% | 6.31% | 3.59% |
| Q2 2026 | 5.48% | 1.93% | 3.82% | 6.71% | 3.58% |
The Harrison Building and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harrison Building and Loan Association, 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 The Harrison Building and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28080) · FFIEC NIC profile (RSSD 653778)