Maple City Savings Bank, FSB: 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.
Yield on securities rose 0.47 percentage points from Q1 2026 to Q2 2026, ending at 2.49% against 2.02%. It was the largest change among the key lines on this page. Within New York, Maple City Savings Bank, FSB is 59th of 105 on net interest margin, 3.47% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Maple City Savings Bank, FSB sits 0.48 points lower, at 3.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.24% |
| Yield on securities | 2.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.41% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 5.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $584K |
| Interest expense on deposits | $558K |
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 | 4.72% | 2.14% | 2.77% | 5.36% | 1.30% |
| Q4 2023 | 4.95% | 2.52% | 2.74% | 5.62% | 1.24% |
| Q1 2024 | 4.97% | 2.89% | 2.47% | 5.64% | 1.19% |
| Q2 2024 | 5.04% | 3.01% | 2.36% | 5.73% | 1.19% |
| Q3 2024 | 5.25% | 3.13% | 2.54% | 5.96% | 1.42% |
| Q4 2024 | 5.31% | 3.23% | 2.59% | 6.06% | 1.40% |
| Q1 2025 | 5.21% | 2.94% | 2.71% | 6.01% | 1.51% |
| Q2 2025 | 5.26% | 2.88% | 2.82% | 6.05% | 1.58% |
| Q3 2025 | 5.34% | 2.82% | 2.96% | 6.19% | 1.55% |
| Q4 2025 | 5.43% | 2.73% | 3.16% | 6.24% | 1.86% |
| Q1 2026 | 5.55% | 2.52% | 3.46% | 6.36% | 2.02% |
| Q2 2026 | 5.48% | 2.41% | 3.47% | 6.24% | 2.49% |
Maple City Savings Bank, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Maple City Savings Bank, FSB, 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 Maple City Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28585) · FFIEC NIC profile (RSSD 548472)