Monroe Federal Savings and Loan Association: 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.
Net interest margin rose 0.19 percentage points from Q1 2026 to Q2 2026, ending at 2.91% against 2.72%. It was the largest change among the key lines on this page. Within Ohio, Monroe Federal Savings and Loan Association is 134th of 156 on net interest margin, 2.91% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Monroe Federal Savings and Loan Association sits 1.04 points lower, at 2.91% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.69% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.91% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $602K |
| Interest expense on deposits | $538K |
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 | 3.88% | 1.45% | 2.51% |
| Q4 2023 | 3.95% | 1.56% | 2.46% |
| Q1 2024 | 3.98% | 1.40% | 2.64% |
| Q2 2024 | 4.07% | 1.50% | 2.67% |
| Q3 2024 | 4.10% | 1.84% | 2.37% |
| Q4 2024 | 4.22% | 1.62% | 2.67% |
| Q1 2025 | 4.29% | 1.69% | 2.64% |
| Q2 2025 | 4.39% | 1.83% | 2.64% |
| Q3 2025 | 4.59% | 1.85% | 2.79% |
| Q4 2025 | 4.46% | 1.88% | 2.67% |
| Q1 2026 | 4.49% | 1.86% | 2.72% |
| Q2 2026 | 4.69% | 1.88% | 2.91% |
Monroe Federal Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Monroe Federal Savings and Loan Association, 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 Monroe Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29578) · FFIEC NIC profile (RSSD 576578)