Nationwide Trust Company, FSB: 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, Cost of interest-bearing liabilities edged up by 0.16 percentage points, from 4.58% to 4.74%, the largest move among the key lines here. Nationwide Trust Company, FSB has the 2nd lowest net interest margin of the 156 banks headquartered in Ohio, at 0.52% as of Q2 2026. Against a median of 3.94% for banks in the $100M-1B asset tier, Nationwide Trust Company, FSB reported 0.52% on net interest margin in Q2 2026, 3.42 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.78% |
| Yield on loans | — |
| Yield on securities | 3.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.54% |
| Cost of interest-bearing deposits | — |
| Cost of interest-bearing liabilities | 4.74% |
| Cost of borrowings | 4.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 0.52% |
| Yield to cost spread | -0.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $919K |
| Interest expense on deposits | $0 |
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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 3.19% | 6.11% | -1.39% | 3.19% |
| Q4 2023 | 3.35% | 6.08% | -1.04% | 3.35% |
| Q1 2024 | 3.49% | 6.09% | -0.90% | 3.49% |
| Q2 2024 | 3.52% | 6.22% | -1.02% | 3.52% |
| Q3 2024 | 3.59% | 6.26% | -1.09% | 3.59% |
| Q4 2024 | 3.32% | 5.64% | -1.08% | 3.32% |
| Q1 2025 | 3.64% | 5.16% | -0.45% | 3.64% |
| Q2 2025 | 3.53% | 5.23% | -0.60% | 3.53% |
| Q3 2025 | 3.59% | 5.29% | -0.56% | 3.59% |
| Q4 2025 | 3.82% | 4.47% | 0.53% | 3.85% |
| Q1 2026 | 3.74% | 4.53% | 0.56% | 3.73% |
| Q2 2026 | 3.78% | 4.54% | 0.52% | 3.79% |
Nationwide Trust Company, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Nationwide Trust Company, FSB, 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 Nationwide Trust Company, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34710) · FFIEC NIC profile (RSSD 2729677)