Miami 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.
Compared with Q1 2026, Cost of borrowings fell 0.38 percentage points in Q2 2026 to 0.00%, the biggest move on this page. Miami Savings Bank ranks 76th of 156 Ohio banks on net interest margin, in the upper half at 3.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Miami Savings Bank sits 0.24 points lower, at 3.71% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $402K |
| Interest expense on deposits | $402K |
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 |
|---|---|---|---|
| Q3 2023 | 4.75% | 0.98% | 3.92% |
| Q4 2023 | 4.90% | 1.25% | 3.85% |
| Q1 2024 | 4.91% | 1.54% | 3.59% |
| Q2 2024 | 5.19% | 1.76% | 3.73% |
| Q3 2024 | 5.18% | 1.89% | 3.68% |
| Q4 2024 | 5.07% | 1.80% | 3.60% |
| Q1 2025 | 4.99% | 1.67% | 3.59% |
| Q2 2025 | 5.11% | 1.76% | 3.68% |
| Q3 2025 | 5.04% | 1.76% | 3.63% |
| Q4 2025 | 4.96% | 1.73% | 3.54% |
| Q1 2026 | 4.86% | 1.55% | 3.57% |
| Q2 2026 | 4.96% | 1.54% | 3.71% |
Miami 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 Miami 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 Miami Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32293) · FFIEC NIC profile (RSSD 367178)