Homestead 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, Net interest margin fell 0.24 percentage points in Q2 2026 to 4.54%, the biggest move on this page. Within Michigan, Homestead Savings Bank is 16th of 72 on net interest margin, 4.54% as of Q2 2026, above the middle of the field. Homestead Savings Bank reported 4.54% on net interest margin for Q2 2026, 0.65 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 5.53% |
| Yield on securities | 1.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.41% |
| Cost of interest-bearing deposits | 0.76% |
| Cost of interest-bearing liabilities | 0.76% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.54% |
| Yield to cost spread | 4.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $703K |
| Total interest expense | $67K |
| Interest expense on deposits | $67K |
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 | 4.39% | 0.33% | 4.04% | 4.80% | 1.42% |
| Q4 2023 | 4.53% | 0.50% | 4.00% | 4.95% | 1.47% |
| Q1 2024 | 4.55% | 0.54% | 3.96% | 4.95% | 1.44% |
| Q2 2024 | 4.63% | 0.50% | 4.11% | 5.04% | 1.45% |
| Q3 2024 | 4.71% | 0.54% | 4.14% | 5.16% | 1.33% |
| Q4 2024 | 4.89% | 0.56% | 4.31% | 5.37% | 1.48% |
| Q1 2025 | 4.82% | 0.51% | 4.27% | 5.31% | 1.54% |
| Q2 2025 | 5.18% | 0.46% | 4.69% | 5.77% | 1.48% |
| Q3 2025 | 4.90% | 0.43% | 4.44% | 5.39% | 1.23% |
| Q4 2025 | 5.12% | 0.44% | 4.67% | 5.64% | 1.40% |
| Q1 2026 | 5.18% | 0.40% | 4.78% | 5.83% | 1.46% |
| Q2 2026 | 4.94% | 0.41% | 4.54% | 5.53% | 1.51% |
Homestead 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 Homestead 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 Homestead Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28667) · FFIEC NIC profile (RSSD 132778)