Jarrettsville Federal Savings and Loan Association: 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 Net interest margin, which rose 0.16 percentage points to 2.63%. Jarrettsville Federal Savings and Loan Association ranks 23rd of 27 Maryland banks on net interest margin, in the lower half at 2.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Jarrettsville Federal Savings and Loan Association sits 1.32 points lower, at 2.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.68% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.30% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.63% |
| Yield to cost spread | 2.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $841K |
| Interest expense on deposits | $841K |
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 | 4.26% | 2.13% | 2.62% |
| Q4 2023 | 4.33% | 2.06% | 2.50% |
| Q1 2024 | 4.42% | 2.29% | 2.35% |
| Q2 2024 | 4.51% | 2.54% | 2.22% |
| Q3 2024 | 4.72% | 2.70% | 2.28% |
| Q4 2024 | 4.89% | 2.72% | 2.40% |
| Q1 2025 | 4.58% | 2.64% | 2.17% |
| Q2 2025 | 4.63% | 2.58% | 2.31% |
| Q3 2025 | 4.78% | 2.42% | 2.61% |
| Q4 2025 | 4.66% | 2.42% | 2.50% |
| Q1 2026 | 4.55% | 2.33% | 2.47% |
| Q2 2026 | 4.68% | 2.30% | 2.63% |
Jarrettsville Federal Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Jarrettsville Federal Savings and Loan Association, 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 Jarrettsville Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31083) · FFIEC NIC profile (RSSD 613978)