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.
In Q2 2026, Cost of borrowings edged up by 0.16 percentage points, from 2.54% to 2.70%, the largest move among the key lines here. Within Kansas, Home Savings Bank is 90th of 182 on net interest margin, 4.00% as of Q2 2026, above the middle of the field. At 4.00%, 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 | 5.72% |
| Yield on loans | 6.56% |
| Yield on securities | 4.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 2.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $473K |
| Interest expense on deposits | $446K |
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 | 5.01% | 1.47% | 3.81% | 5.54% | 2.66% |
| Q4 2023 | 5.11% | 1.80% | 3.66% | 5.64% | 2.92% |
| Q1 2024 | 5.29% | 1.95% | 3.65% | 5.83% | 3.02% |
| Q2 2024 | 5.63% | 2.17% | 3.73% | 6.26% | 3.11% |
| Q3 2024 | 5.67% | 2.23% | 3.73% | 6.32% | 3.22% |
| Q4 2024 | 5.56% | 2.22% | 3.67% | 6.18% | 3.37% |
| Q1 2025 | 5.65% | 2.25% | 3.74% | 6.29% | 3.62% |
| Q2 2025 | 5.82% | 2.33% | 3.86% | 6.62% | 3.71% |
| Q3 2025 | 5.94% | 2.17% | 4.06% | 6.74% | 3.87% |
| Q4 2025 | 5.79% | 2.13% | 4.01% | 6.61% | 3.93% |
| Q1 2026 | 5.73% | 2.16% | 3.97% | 6.62% | 3.96% |
| Q2 2026 | 5.72% | 2.06% | 4.00% | 6.56% | 4.04% |
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 28246) · FFIEC NIC profile (RSSD 765877)