Meredith Village 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 Total interest expense, which fell 3.3% to $6.8M. Meredith Village Savings Bank ranks 9th of 16 New Hampshire banks on net interest margin, in the lower half at 3.28% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Meredith Village Savings Bank sits 0.43 points lower, at 3.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 5.18% |
| Yield on securities | 2.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 3.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.28% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.5M |
| Total interest expense | $6.8M |
| Interest expense on deposits | $5.6M |
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 | 4.42% | 1.75% | 2.80% | 4.54% | 2.32% |
| Q4 2023 | 4.55% | 1.99% | 2.72% | 4.67% | 2.30% |
| Q1 2024 | 4.59% | 2.15% | 2.60% | 4.72% | 2.42% |
| Q2 2024 | 4.66% | 2.27% | 2.56% | 4.79% | 2.54% |
| Q3 2024 | 4.74% | 2.28% | 2.63% | 4.89% | 2.53% |
| Q4 2024 | 4.77% | 2.19% | 2.75% | 4.92% | 2.52% |
| Q1 2025 | 4.72% | 2.15% | 2.73% | 4.88% | 2.70% |
| Q2 2025 | 4.80% | 2.09% | 2.87% | 4.96% | 2.83% |
| Q3 2025 | 4.91% | 2.06% | 3.00% | 5.08% | 2.88% |
| Q4 2025 | 4.97% | 1.97% | 3.16% | 5.15% | 2.86% |
| Q1 2026 | 5.00% | 1.91% | 3.23% | 5.20% | 2.95% |
| Q2 2026 | 5.00% | 1.87% | 3.28% | 5.18% | 2.98% |
Meredith Village 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 Meredith Village 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 Meredith Village Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17180) · FFIEC NIC profile (RSSD 576608)