Huntington 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 3.1% to $2.8M. On net interest margin, Huntington Federal Savings Bank is 1st from the bottom among 41 West Virginia banks, 1.51% (Q2 2026). Huntington Federal Savings Bank's net interest margin of 1.51% is well below the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.44 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.73% |
| Yield on loans | 4.69% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 5.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.51% |
| Yield to cost spread | 1.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.5M |
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 | 3.10% | 2.02% | 1.37% | 3.97% | 2.04% |
| Q4 2023 | 3.22% | 2.41% | 1.11% | 4.14% | 2.12% |
| Q1 2024 | 3.20% | 2.70% | 0.87% | 4.01% | 2.18% |
| Q2 2024 | 3.27% | 2.78% | 0.86% | 4.16% | 2.18% |
| Q3 2024 | 3.35% | 2.87% | 0.87% | 4.24% | 2.23% |
| Q4 2024 | 3.36% | 2.84% | 0.90% | 4.29% | 2.14% |
| Q1 2025 | 3.38% | 2.70% | 1.01% | 4.33% | 2.14% |
| Q2 2025 | 3.54% | 2.74% | 1.14% | 4.47% | 2.34% |
| Q3 2025 | 3.67% | 2.81% | 1.20% | 4.60% | 2.46% |
| Q4 2025 | 3.69% | 2.78% | 1.25% | 4.59% | 2.49% |
| Q1 2026 | 3.71% | 2.56% | 1.47% | 4.65% | 2.41% |
| Q2 2026 | 3.73% | 2.52% | 1.51% | 4.69% | 2.38% |
Huntington 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 Huntington 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 Huntington Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27884) · FFIEC NIC profile (RSSD 609476)