Homewood Federal 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 rose 0.28 percentage points in Q2 2026 to 3.51%, the biggest move on this page. Within Maryland, Homewood Federal Savings Bank is 17th of 27 on net interest margin, 3.51% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Homewood Federal Savings Bank sits 0.38 points lower, at 3.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.94% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.24% |
| Cost of interest-bearing deposits | 3.30% |
| Cost of interest-bearing liabilities | 3.30% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $880K |
| Total interest expense | $396K |
| Interest expense on deposits | $396K |
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 | 4.94% | 2.28% | 3.26% |
| Q4 2023 | 5.07% | 2.52% | 3.21% |
| Q1 2024 | 5.01% | 2.79% | 2.91% |
| Q2 2024 | 5.10% | 3.20% | 2.68% |
| Q3 2024 | 5.36% | 3.47% | 2.72% |
| Q4 2024 | 5.64% | 3.54% | 2.95% |
| Q1 2025 | 5.23% | 3.51% | 2.58% |
| Q2 2025 | 5.41% | 3.53% | 2.74% |
| Q3 2025 | 5.58% | 3.48% | 2.95% |
| Q4 2025 | 5.74% | 3.40% | 3.16% |
| Q1 2026 | 5.70% | 3.26% | 3.23% |
| Q2 2026 | 5.94% | 3.24% | 3.51% |
Homewood Federal 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 Homewood Federal 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 Homewood Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31267) · FFIEC NIC profile (RSSD 359472)