Olympia Federal Savings and Loan 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, Net interest margin rose 0.14 percentage points in Q2 2026 to 2.86%, the biggest move on this page. Within Washington, Olympia Federal Savings and Loan Association is 23rd of 29 on net interest margin, 2.86% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Olympia Federal Savings and Loan Association sits 0.85 points lower, at 2.86% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 4.91% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.86% |
| Yield to cost spread | 2.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.6M |
| Total interest expense | $4.7M |
| Interest expense on deposits | $3.1M |
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 | 4.14% | 2.00% | 2.32% | 4.15% | 1.86% |
| Q4 2023 | 4.25% | 2.18% | 2.27% | 4.25% | 1.91% |
| Q1 2024 | 4.34% | 2.35% | 2.19% | 4.36% | 1.91% |
| Q2 2024 | 4.55% | 2.56% | 2.20% | 4.54% | 1.99% |
| Q3 2024 | 4.49% | 2.77% | 1.95% | 4.54% | 1.93% |
| Q4 2024 | 4.58% | 2.64% | 2.19% | 4.64% | 2.15% |
| Q1 2025 | 4.56% | 2.43% | 2.36% | 4.64% | 2.41% |
| Q2 2025 | 4.65% | 2.43% | 2.41% | 4.73% | 2.44% |
| Q3 2025 | 4.71% | 2.38% | 2.52% | 4.80% | 2.57% |
| Q4 2025 | 4.70% | 2.28% | 2.58% | 4.80% | 2.56% |
| Q1 2026 | 4.72% | 2.16% | 2.72% | 4.83% | 2.83% |
| Q2 2026 | 4.82% | 2.13% | 2.86% | 4.91% | 3.00% |
Olympia Federal Savings and Loan 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 Olympia Federal Savings and Loan 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 Olympia Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28599) · FFIEC NIC profile (RSSD 550279)