Home 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.
The standout move of Q2 2026 was in Cost of borrowings: 1.36 percentage points lower than in Q1 2026, at 2.40%. Within Utah, Home Savings Bank is 35th of 44 on net interest margin, 4.01% as of Q2 2026, below the middle of the field. At 4.01%, Home Savings Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.24% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.72% |
| Cost of interest-bearing deposits | 3.90% |
| Cost of interest-bearing liabilities | 3.70% |
| Cost of borrowings | 2.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $855K |
| Interest expense on deposits | $806K |
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 |
|---|---|---|---|
| Q3 2023 | 6.78% | 4.31% | 3.88% |
| Q4 2023 | 6.65% | 4.42% | 3.60% |
| Q1 2024 | 6.59% | 3.84% | 3.30% |
| Q2 2024 | 6.89% | 3.98% | 3.53% |
| Q3 2024 | 7.04% | 4.27% | 3.47% |
| Q4 2024 | 6.85% | 4.12% | 3.46% |
| Q1 2025 | 7.47% | 4.02% | 4.03% |
| Q2 2025 | 7.02% | 3.64% | 3.66% |
| Q3 2025 | 7.72% | 4.07% | 4.06% |
| Q4 2025 | 7.07% | 4.09% | 3.55% |
| Q1 2026 | 7.26% | 3.99% | 3.85% |
| Q2 2026 | 7.24% | 3.72% | 4.01% |
Home 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 Home 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 Home Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26798) · FFIEC NIC profile (RSSD 460770)