The Home Loan 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, Yield on securities fell 0.33 percentage points in Q2 2026 to 3.14%, the biggest move on this page. On net interest margin, The Home Loan Savings Bank ranks 4th highest among the 156 banks headquartered in Ohio, at 5.08% (Q2 2026). The Home Loan Savings Bank reported 5.08% on net interest margin for Q2 2026, 1.13 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.03% |
| Yield on loans | 7.22% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.08% |
| Yield to cost spread | 4.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 6.21% | 1.89% | 4.53% | 6.56% | 0.55% |
| Q4 2023 | 6.52% | 1.96% | 4.81% | 6.83% | 0.56% |
| Q1 2024 | 6.63% | 2.30% | 4.60% | 6.94% | 1.10% |
| Q2 2024 | 6.94% | 2.56% | 4.69% | 7.19% | 1.95% |
| Q3 2024 | 7.18% | 2.74% | 4.81% | 7.40% | 2.29% |
| Q4 2024 | 7.23% | 2.55% | 4.91% | 7.41% | 2.56% |
| Q1 2025 | 7.05% | 2.40% | 4.87% | 7.20% | 3.16% |
| Q2 2025 | 7.11% | 2.37% | 4.97% | 7.29% | 3.43% |
| Q3 2025 | 7.18% | 2.35% | 5.05% | 7.41% | 3.48% |
| Q4 2025 | 7.29% | 2.30% | 5.21% | 7.46% | 3.62% |
| Q1 2026 | 7.17% | 2.27% | 5.15% | 7.33% | 3.47% |
| Q2 2026 | 7.03% | 2.14% | 5.08% | 7.22% | 3.14% |
The Home Loan 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 The Home Loan 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 The Home Loan Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29695) · FFIEC NIC profile (RSSD 468673)