Norway 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 Net interest margin, which rose 0.26 percentage points to 3.72%. Norway Savings Bank ranks 7th of 22 Maine banks on net interest margin, in the upper half at 3.72% (Q2 2026). At 3.72%, Norway Savings Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 6.00% |
| Yield on securities | 2.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.8M |
| Total interest expense | $8.0M |
| Interest expense on deposits | $5.7M |
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% | 1.05% | 3.19% | 5.09% | 2.45% |
| Q4 2023 | 4.50% | 1.21% | 3.14% | 5.20% | 2.61% |
| Q1 2024 | 4.51% | 1.43% | 2.92% | 5.20% | 2.66% |
| Q2 2024 | 4.61% | 1.53% | 2.92% | 5.31% | 2.68% |
| Q3 2024 | 4.76% | 1.57% | 3.03% | 5.51% | 2.67% |
| Q4 2024 | 4.79% | 1.56% | 3.08% | 5.54% | 2.63% |
| Q1 2025 | 4.74% | 1.55% | 3.04% | 5.46% | 2.71% |
| Q2 2025 | 4.87% | 1.55% | 3.18% | 5.60% | 2.79% |
| Q3 2025 | 5.00% | 1.54% | 3.32% | 5.75% | 2.80% |
| Q4 2025 | 5.05% | 1.49% | 3.43% | 5.75% | 2.79% |
| Q1 2026 | 5.04% | 1.46% | 3.46% | 5.69% | 2.85% |
| Q2 2026 | 5.27% | 1.44% | 3.72% | 6.00% | 2.72% |
Norway 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 Norway 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 Norway Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17658) · FFIEC NIC profile (RSSD 289702)