Home Savings Bank of Wapakoneta: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.21 percentage points to 3.84%. Within Ohio, Home Savings Bank of Wapakoneta is 68th of 156 on net interest margin, 3.84% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Home Savings Bank of Wapakoneta reported 3.84% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 5.71% |
| Yield on securities | 2.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $524K |
| Total interest expense | $154K |
| Interest expense on deposits | $136K |
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 | 4.36% | 0.94% | 3.54% | 4.77% | 2.27% |
| Q4 2023 | 4.35% | 1.06% | 3.43% | 4.79% | 2.42% |
| Q1 2024 | 4.47% | 1.51% | 3.23% | 4.94% | 2.31% |
| Q2 2024 | 4.74% | 1.67% | 3.40% | 5.23% | 2.34% |
| Q3 2024 | 4.80% | 1.88% | 3.28% | 5.16% | 2.34% |
| Q4 2024 | 4.92% | 1.98% | 3.35% | 5.36% | 2.31% |
| Q1 2025 | 4.90% | 2.17% | 3.23% | 5.33% | 2.61% |
| Q2 2025 | 4.82% | 1.88% | 3.30% | 5.37% | 2.00% |
| Q3 2025 | 5.10% | 1.80% | 3.62% | 5.50% | 2.44% |
| Q4 2025 | 5.22% | 1.92% | 3.68% | 5.54% | 2.45% |
| Q1 2026 | 5.20% | 1.91% | 3.63% | 5.55% | 2.47% |
| Q2 2026 | 5.25% | 1.67% | 3.84% | 5.71% | 2.45% |
Home Savings Bank of Wapakoneta 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 of Wapakoneta, 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 of Wapakoneta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30176) · FFIEC NIC profile (RSSD 868572)