Jewett City 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 0.30 percentage points in Q2 2026 to 4.55%, the biggest move on this page. On net interest margin, Jewett City Savings Bank ranks 2nd highest among the 27 banks headquartered in Connecticut, at 4.55% (Q2 2026). Jewett City Savings Bank reported 4.55% on net interest margin for Q2 2026, 0.60 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.64% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.46% |
| Cost of interest-bearing liabilities | 1.54% |
| Cost of borrowings | 2.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 4.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
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 | 5.10% | 0.74% | 4.42% |
| Q4 2023 | 5.35% | 0.95% | 4.50% |
| Q1 2024 | 5.31% | 1.09% | 4.33% |
| Q2 2024 | 5.63% | 1.15% | 4.58% |
| Q3 2024 | 5.27% | 1.31% | 4.08% |
| Q4 2024 | 5.58% | 1.33% | 4.41% |
| Q1 2025 | 5.43% | 1.31% | 4.25% |
| Q2 2025 | 5.47% | 1.31% | 4.31% |
| Q3 2025 | 5.67% | 1.33% | 4.48% |
| Q4 2025 | 5.72% | 1.35% | 4.55% |
| Q1 2026 | 5.38% | 1.28% | 4.25% |
| Q2 2026 | 5.64% | 1.24% | 4.55% |
Jewett City 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 Jewett City 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 Jewett City Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18237) · FFIEC NIC profile (RSSD 820301)