Osgood 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 standout move of Q2 2026 was in Cost of borrowings: 3.50 percentage points higher than in Q1 2026, at 8.20%. Within Ohio, Osgood Bank is 61st of 156 on net interest margin, 3.88% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Osgood Bank reported 3.88% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | 6.95% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | 8.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.0M |
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 | 5.27% | 1.87% | 3.51% | 5.91% | 2.86% |
| Q4 2023 | 5.43% | 2.16% | 3.41% | 6.06% | 2.87% |
| Q1 2024 | 5.47% | 2.34% | 3.27% | 6.11% | 2.85% |
| Q2 2024 | 5.54% | 2.35% | 3.30% | 6.23% | 3.44% |
| Q3 2024 | 5.64% | 2.46% | 3.31% | 6.43% | 4.04% |
| Q4 2024 | 5.58% | 2.00% | 3.40% | 6.48% | 3.75% |
| Q1 2025 | 5.43% | 1.75% | 3.52% | 6.36% | 3.55% |
| Q2 2025 | 5.57% | 1.75% | 3.70% | 6.54% | 3.51% |
| Q3 2025 | 5.60% | 1.84% | 3.64% | 6.60% | 3.50% |
| Q4 2025 | 5.67% | 1.81% | 3.75% | 6.93% | 3.46% |
| Q1 2026 | 5.32% | 1.75% | 3.46% | 6.65% | 3.21% |
| Q2 2026 | 5.60% | 1.73% | 3.88% | 6.95% | 3.27% |
Osgood 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 Osgood 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 Osgood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9137) · FFIEC NIC profile (RSSD 313223)