Mutual Savings 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.
Compared with Q1 2026, Total interest expense fell 3.8% in Q2 2026 to $1.8M, the biggest move on this page. Within Kansas, Mutual Savings Association is 60th of 182 on net interest margin, 4.17% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Mutual Savings Association sits 0.23 points higher, at 4.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 6.56% |
| Yield on securities | 4.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.45% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.4M |
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 | 5.42% | 2.31% | 3.56% | 5.75% | 4.48% |
| Q4 2023 | 5.52% | 2.38% | 3.65% | 5.84% | 4.60% |
| Q1 2024 | 5.62% | 2.59% | 3.66% | 5.96% | 4.78% |
| Q2 2024 | 6.00% | 2.71% | 3.89% | 6.34% | 5.12% |
| Q3 2024 | 6.19% | 2.68% | 4.14% | 6.60% | 5.14% |
| Q4 2024 | 6.09% | 2.71% | 3.97% | 6.61% | 4.82% |
| Q1 2025 | 6.01% | 2.61% | 3.99% | 6.34% | 5.13% |
| Q2 2025 | 6.09% | 2.71% | 3.98% | 6.45% | 5.05% |
| Q3 2025 | 6.08% | 2.57% | 3.98% | 6.41% | 5.02% |
| Q4 2025 | 5.83% | 2.53% | 3.83% | 6.17% | 4.61% |
| Q1 2026 | 6.14% | 2.51% | 4.06% | 6.53% | 4.68% |
| Q2 2026 | 6.19% | 2.45% | 4.17% | 6.56% | 4.84% |
Mutual Savings 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 Mutual Savings 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 Mutual Savings Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29988) · FFIEC NIC profile (RSSD 636276)