Newtown 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 5.5% to $7.3M. Newtown Savings Bank ranks 15th of 27 Connecticut banks on net interest margin, in the lower half at 3.38% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Newtown Savings Bank sits 0.33 points lower, at 3.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 5.35% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 3.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.9M |
| Total interest expense | $7.3M |
| Interest expense on deposits | $6.7M |
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 | 4.37% | 2.02% | 2.48% | 4.88% | 2.81% |
| Q4 2023 | 4.52% | 2.13% | 2.53% | 4.99% | 2.96% |
| Q1 2024 | 4.56% | 2.22% | 2.48% | 5.05% | 2.90% |
| Q2 2024 | 4.64% | 2.18% | 2.60% | 5.10% | 2.82% |
| Q3 2024 | 4.83% | 2.29% | 2.69% | 5.22% | 2.77% |
| Q4 2024 | 4.83% | 2.02% | 2.96% | 5.21% | 2.66% |
| Q1 2025 | 4.83% | 1.88% | 3.08% | 5.22% | 2.70% |
| Q2 2025 | 4.93% | 1.81% | 3.25% | 5.30% | 2.79% |
| Q3 2025 | 5.05% | 1.94% | 3.25% | 5.43% | 2.85% |
| Q4 2025 | 4.97% | 1.86% | 3.25% | 5.35% | 3.01% |
| Q1 2026 | 4.88% | 1.81% | 3.20% | 5.28% | 3.11% |
| Q2 2026 | 5.00% | 1.75% | 3.38% | 5.35% | 3.30% |
Newtown 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 Newtown 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 Newtown Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18199) · FFIEC NIC profile (RSSD 507509)