Milford Building and Loan Association, SB: 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 0.31 percentage points to 2.80%. On net interest margin, Milford Building and Loan Association, SB is 23rd from the bottom among 323 Illinois banks, 2.80% (Q2 2026). Milford Building and Loan Association, SB reported 2.80% on net interest margin for Q2 2026, 1.09 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | 6.16% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.65% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.80% |
| Yield to cost spread | 2.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $280K |
| Total interest expense | $158K |
| Interest expense on deposits | $158K |
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 | 3.87% | 1.93% | 2.14% | 4.29% | 0.00% |
| Q4 2023 | 4.36% | 2.87% | 1.74% | 4.94% | 0.00% |
| Q1 2024 | 4.58% | 2.75% | 2.07% | 5.06% | 0.00% |
| Q2 2024 | 4.85% | 2.85% | 2.36% | 5.82% | 0.00% |
| Q3 2024 | 4.89% | 2.89% | 2.33% | 5.60% | 0.00% |
| Q4 2024 | 4.92% | 2.82% | 2.44% | 5.62% | 0.00% |
| Q1 2025 | 4.65% | 2.74% | 2.25% | 5.58% | 0.00% |
| Q2 2025 | 4.80% | 2.74% | 2.38% | 5.92% | 0.00% |
| Q3 2025 | 4.99% | 2.94% | 2.40% | 5.89% | 0.00% |
| Q4 2025 | 5.12% | 2.87% | 2.60% | 6.02% | 0.00% |
| Q1 2026 | 4.86% | 2.69% | 2.49% | 5.79% | 0.00% |
| Q2 2026 | 5.13% | 2.65% | 2.80% | 6.16% | 0.00% |
Milford Building and Loan Association, SB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Building and Loan Association, SB, 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 Milford Building and Loan Association, SB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30152) · FFIEC NIC profile (RSSD 994770)