Home Savings and Loan Company of Kenton, Ohio, the dba HSLC: 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, Net interest margin rose 0.27 percentage points in Q2 2026 to 3.76%, the biggest move on this page. Within Ohio, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC is 75th of 156 on net interest margin, 3.76% as of Q2 2026, above the middle of the field. Home Savings and Loan Company of Kenton, Ohio, the dba HSLC reported 3.76% on net interest margin for Q2 2026, 0.19 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.22% |
| Yield on loans | 6.76% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.70% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 4.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.4M |
| 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 | 5.45% | 2.16% | 3.57% | 5.99% | 1.99% |
| Q4 2023 | 5.69% | 2.54% | 3.45% | 6.18% | 2.07% |
| Q1 2024 | 5.63% | 2.74% | 3.20% | 6.09% | 2.06% |
| Q2 2024 | 5.82% | 2.89% | 3.27% | 6.29% | 2.11% |
| Q3 2024 | 6.03% | 2.93% | 3.44% | 6.52% | 2.19% |
| Q4 2024 | 5.76% | 2.80% | 3.28% | 6.26% | 2.24% |
| Q1 2025 | 5.85% | 2.70% | 3.45% | 6.35% | 2.35% |
| Q2 2025 | 5.93% | 2.69% | 3.51% | 6.44% | 2.34% |
| Q3 2025 | 5.92% | 2.75% | 3.45% | 6.43% | 2.59% |
| Q4 2025 | 6.10% | 2.73% | 3.63% | 6.55% | 2.92% |
| Q1 2026 | 5.91% | 2.69% | 3.49% | 6.35% | 3.29% |
| Q2 2026 | 6.22% | 2.70% | 3.76% | 6.76% | 3.54% |
Home Savings and Loan Company of Kenton, Ohio, the dba HSLC yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Savings and Loan Company of Kenton, Ohio, the dba HSLC, 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 Home Savings and Loan Company of Kenton, Ohio, the dba HSLC profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29571) · FFIEC NIC profile (RSSD 296474)