Millville 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, Net interest margin rose 0.22 percentage points in Q2 2026 to 3.27%, the biggest move on this page. Millville Savings Bank ranks 22nd of 49 New Jersey banks on net interest margin, in the upper half at 3.27% (Q2 2026). Millville Savings Bank reported 3.27% on net interest margin for Q2 2026, 0.68 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.19% |
| Yield on loans | 5.27% |
| Yield on securities | 2.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.02% |
| Cost of interest-bearing deposits | 1.18% |
| Cost of interest-bearing liabilities | 1.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $989K |
| Total interest expense | $368K |
| Interest expense on deposits | $368K |
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 | 3.55% | 0.77% | 2.84% | 4.31% | 2.66% |
| Q4 2023 | 3.74% | 1.02% | 2.81% | 4.25% | 2.76% |
| Q1 2024 | 3.76% | 1.08% | 2.79% | 4.58% | 2.67% |
| Q2 2024 | 4.04% | 1.01% | 3.12% | 4.86% | 2.74% |
| Q3 2024 | 3.94% | 1.01% | 3.03% | 4.93% | 2.77% |
| Q4 2024 | 4.34% | 1.01% | 3.43% | 5.73% | 2.79% |
| Q1 2025 | 3.89% | 0.97% | 3.00% | 5.01% | 2.78% |
| Q2 2025 | 4.05% | 0.98% | 3.16% | 5.04% | 2.84% |
| Q3 2025 | 4.08% | 1.03% | 3.13% | 5.19% | 2.81% |
| Q4 2025 | 4.12% | 1.02% | 3.20% | 5.20% | 2.77% |
| Q1 2026 | 3.97% | 1.01% | 3.05% | 5.22% | 2.82% |
| Q2 2026 | 4.19% | 1.02% | 3.27% | 5.27% | 2.90% |
Millville 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 Millville 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 Millville Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30183) · FFIEC NIC profile (RSSD 814476)