The Hometown 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.
Cost of borrowings rose 0.35 percentage points from Q1 2026 to Q2 2026, ending at 3.63% against 3.28%. It was the largest change among the key lines on this page. On net interest margin, The Hometown Savings Bank is 9th from the bottom among 87 Indiana banks, 2.91% (Q2 2026). The Hometown Savings Bank reported 2.91% on net interest margin for Q2 2026, 1.04 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.90% |
| Yield on loans | 6.04% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | 3.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.91% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.0M |
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 | 3.83% | 2.08% | 1.82% | 5.05% | 2.02% |
| Q4 2023 | 4.00% | 2.31% | 1.83% | 5.04% | 2.39% |
| Q1 2024 | 4.27% | 2.35% | 2.00% | 5.35% | 2.48% |
| Q2 2024 | 4.34% | 2.47% | 1.97% | 5.47% | 2.48% |
| Q3 2024 | 4.48% | 2.52% | 2.04% | 5.67% | 2.45% |
| Q4 2024 | 4.47% | 2.43% | 2.13% | 5.69% | 2.39% |
| Q1 2025 | 4.38% | 2.30% | 2.15% | 5.57% | 2.35% |
| Q2 2025 | 4.61% | 2.23% | 2.46% | 5.80% | 2.32% |
| Q3 2025 | 4.79% | 2.23% | 2.64% | 6.04% | 2.31% |
| Q4 2025 | 4.82% | 2.21% | 2.70% | 6.06% | 2.29% |
| Q1 2026 | 4.80% | 2.07% | 2.80% | 5.92% | 2.45% |
| Q2 2026 | 4.90% | 2.08% | 2.91% | 6.04% | 2.46% |
The Hometown 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 The Hometown 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 The Hometown Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17736) · FFIEC NIC profile (RSSD 697147)