Maynard 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.24 percentage points to 2.77%. Maynard Savings Bank has the 15th lowest net interest margin of the 225 banks headquartered in Iowa, at 2.77% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Maynard Savings Bank sits 1.18 points lower, at 2.77% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.40% |
| Yield on loans | 6.58% |
| Yield on securities | 2.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.77% |
| Yield to cost spread | 2.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $806K |
| Total interest expense | $456K |
| Interest expense on deposits | $392K |
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 | 3.48% | 2.04% | 1.94% | 5.19% | 1.79% |
| Q4 2023 | 6.04% | 2.80% | 3.81% | 7.18% | 4.68% |
| Q1 2024 | 3.67% | 2.11% | 1.89% | 5.72% | 1.96% |
| Q2 2024 | 3.76% | 2.04% | 1.89% | 5.94% | 1.96% |
| Q3 2024 | 3.88% | 2.33% | 1.86% | 6.21% | 1.95% |
| Q4 2024 | 3.90% | 2.28% | 2.04% | 6.27% | 1.94% |
| Q1 2025 | 3.89% | 2.12% | 2.04% | 6.21% | 1.94% |
| Q2 2025 | 4.20% | 2.12% | 2.29% | 6.31% | 2.10% |
| Q3 2025 | 4.21% | 2.13% | 2.41% | 6.44% | 2.26% |
| Q4 2025 | 4.29% | 2.06% | 2.51% | 6.54% | 2.45% |
| Q1 2026 | 4.28% | 2.02% | 2.53% | 6.29% | 2.66% |
| Q2 2026 | 4.40% | 1.90% | 2.77% | 6.58% | 2.66% |
Maynard 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 Maynard 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 Maynard Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13736) · FFIEC NIC profile (RSSD 1009840)