Monroe 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.
In Q2 2026, Yield on securities edged up by 0.17 percentage points, from 3.86% to 4.03%, the largest move among the key lines here. Monroe Savings Bank ranks 20th of 49 New Jersey banks on net interest margin, in the upper half at 3.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Monroe Savings Bank sits 0.54 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 5.70% |
| Yield on securities | 4.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.10% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | 3.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 3.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $519K |
| Interest expense on deposits | $434K |
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 | 5.14% | 1.91% | 3.54% | 5.28% | 4.13% |
| Q4 2023 | 5.38% | 2.08% | 3.56% | 5.51% | 4.39% |
| Q1 2024 | 5.32% | 2.23% | 3.36% | 5.47% | 4.29% |
| Q2 2024 | 5.39% | 2.40% | 3.28% | 5.51% | 4.38% |
| Q3 2024 | 5.43% | 2.55% | 3.19% | 5.59% | 4.47% |
| Q4 2024 | 5.39% | 2.44% | 3.27% | 5.60% | 4.12% |
| Q1 2025 | 5.40% | 2.26% | 3.42% | 5.63% | 4.06% |
| Q2 2025 | 5.36% | 2.27% | 3.46% | 5.60% | 3.89% |
| Q3 2025 | 5.49% | 2.20% | 3.58% | 5.78% | 3.94% |
| Q4 2025 | 5.40% | 2.18% | 3.50% | 5.77% | 3.82% |
| Q1 2026 | 5.22% | 2.13% | 3.37% | 5.66% | 3.87% |
| Q2 2026 | 5.27% | 2.14% | 3.41% | 5.70% | 4.14% |
Monroe 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 Monroe 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 Monroe Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30103) · FFIEC NIC profile (RSSD 927077)