Milton 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 0.35 percentage points in Q2 2026 to 3.36%, the biggest move on this page. Milton Savings Bank ranks 64th of 109 Pennsylvania banks on net interest margin, in the lower half at 3.36% (Q2 2026). Milton Savings Bank reported 3.36% on net interest margin for Q2 2026, 0.53 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.98% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 1.78% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $931K |
| Total interest expense | $361K |
| Interest expense on deposits | $295K |
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 | 3.48% | 1.30% | 2.46% |
| Q4 2023 | 3.65% | 1.57% | 2.42% |
| Q1 2024 | 3.72% | 1.82% | 2.31% |
| Q2 2024 | 3.87% | 1.88% | 2.35% |
| Q3 2024 | 4.03% | 1.93% | 2.51% |
| Q4 2024 | 4.17% | 2.05% | 2.57% |
| Q1 2025 | 4.13% | 1.99% | 2.63% |
| Q2 2025 | 4.40% | 2.04% | 2.85% |
| Q3 2025 | 4.50% | 2.13% | 2.89% |
| Q4 2025 | 4.60% | 2.21% | 2.95% |
| Q1 2026 | 4.62% | 2.12% | 3.01% |
| Q2 2026 | 4.98% | 2.09% | 3.36% |
Milton 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 Milton 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 Milton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28637) · FFIEC NIC profile (RSSD 123075)