Kennebec 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.
In Q2 2026, Total interest expense edged up by 2.1%, from $8.2M to $8.3M, the largest move among the key lines here. Within Maine, Kennebec Savings Bank is 16th of 22 on net interest margin, 3.05% as of Q2 2026, below the middle of the field. Kennebec Savings Bank reported 3.05% on net interest margin for Q2 2026, 0.66 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 5.23% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.2M |
| Total interest expense | $8.3M |
| Interest expense on deposits | $6.8M |
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 | 4.41% | 2.05% | 2.47% | 4.67% | 2.73% |
| Q4 2023 | 4.58% | 2.28% | 2.44% | 4.83% | 3.00% |
| Q1 2024 | 4.56% | 2.43% | 2.29% | 4.85% | 2.78% |
| Q2 2024 | 4.67% | 2.49% | 2.34% | 4.98% | 2.81% |
| Q3 2024 | 4.83% | 2.57% | 2.42% | 5.12% | 2.82% |
| Q4 2024 | 4.85% | 2.48% | 2.58% | 5.14% | 2.88% |
| Q1 2025 | 4.72% | 2.25% | 2.65% | 5.03% | 2.78% |
| Q2 2025 | 4.85% | 2.20% | 2.82% | 5.17% | 2.84% |
| Q3 2025 | 4.95% | 2.15% | 2.95% | 5.30% | 2.79% |
| Q4 2025 | 4.95% | 2.05% | 3.05% | 5.28% | 2.88% |
| Q1 2026 | 4.81% | 1.96% | 3.00% | 5.16% | 2.70% |
| Q2 2026 | 4.88% | 2.00% | 3.05% | 5.23% | 2.70% |
Kennebec 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 Kennebec 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 Kennebec Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17897) · FFIEC NIC profile (RSSD 583905)