Iron Workers 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 0.20 percentage points in Q2 2026 to 2.78%, the biggest move on this page. Within Pennsylvania, Iron Workers Savings Bank is 89th of 109 on net interest margin, 2.78% as of Q2 2026. Iron Workers Savings Bank reported 2.78% on net interest margin for Q2 2026, 1.16 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.72% |
| Yield on loans | 5.34% |
| Yield on securities | 1.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | 3.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.78% |
| Yield to cost spread | 2.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $994K |
| Interest expense on deposits | $939K |
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 | 3.94% | 1.60% | 2.46% | 4.35% | 1.56% |
| Q4 2023 | 4.03% | 1.92% | 2.27% | 4.45% | 1.57% |
| Q1 2024 | 4.03% | 2.10% | 2.09% | 4.44% | 1.57% |
| Q2 2024 | 4.11% | 2.21% | 2.06% | 4.52% | 1.54% |
| Q3 2024 | 4.18% | 2.40% | 1.98% | 4.58% | 1.55% |
| Q4 2024 | 4.28% | 2.43% | 2.06% | 4.75% | 1.55% |
| Q1 2025 | 4.17% | 2.31% | 2.02% | 4.67% | 1.55% |
| Q2 2025 | 4.33% | 2.23% | 2.25% | 4.88% | 1.53% |
| Q3 2025 | 4.50% | 2.17% | 2.46% | 5.06% | 1.55% |
| Q4 2025 | 4.62% | 2.15% | 2.59% | 5.22% | 1.59% |
| Q1 2026 | 4.56% | 2.11% | 2.58% | 5.20% | 1.57% |
| Q2 2026 | 4.72% | 2.04% | 2.78% | 5.34% | 1.55% |
Iron Workers 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 Iron Workers 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 Iron Workers Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28908) · FFIEC NIC profile (RSSD 45775)