Mercer 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 standout move of Q2 2026 was in Cost of borrowings: 5.23 percentage points lower than in Q1 2026, at 4.77%. Within Ohio, Mercer Savings Bank is 23rd of 156 on net interest margin, 4.45% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Mercer Savings Bank sits 0.50 points higher, at 4.45% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 5.99% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.50% |
| Cost of interest-bearing liabilities | 1.71% |
| Cost of borrowings | 4.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.45% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $568K |
| Interest expense on deposits | $489K |
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 | 4.95% | 0.76% | 4.18% | 5.19% | 2.34% |
| Q4 2023 | 5.25% | 1.45% | 3.86% | 5.53% | 2.35% |
| Q1 2024 | 5.40% | 1.59% | 3.79% | 5.69% | 2.64% |
| Q2 2024 | 5.35% | 1.73% | 3.68% | 5.52% | 3.02% |
| Q3 2024 | 5.57% | 1.95% | 3.61% | 5.66% | 3.14% |
| Q4 2024 | 5.53% | 1.72% | 3.83% | 5.65% | 3.12% |
| Q1 2025 | 5.43% | 1.57% | 3.87% | 5.52% | 3.42% |
| Q2 2025 | 5.56% | 1.65% | 4.08% | 5.71% | 3.45% |
| Q3 2025 | 5.84% | 1.60% | 4.35% | 6.00% | 3.51% |
| Q4 2025 | 5.61% | 1.57% | 4.19% | 5.78% | 3.79% |
| Q1 2026 | 5.87% | 1.48% | 4.50% | 6.08% | 3.85% |
| Q2 2026 | 5.82% | 1.48% | 4.45% | 5.99% | 3.84% |
Mercer 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 Mercer 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 Mercer Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30084) · FFIEC NIC profile (RSSD 661072)