Piscataqua 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 6.7% to $1.9M. Piscataqua Savings Bank has the 1st lowest net interest margin of the 16 banks headquartered in New Hampshire, at 1.76% as of Q2 2026. Piscataqua Savings Bank's net interest margin of 1.76% is well below the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.19 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.94% |
| Yield on loans | 4.42% |
| Yield on securities | 3.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.76% |
| Yield to cost spread | 1.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.6M |
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 | 3.14% | 1.90% | 1.40% | 3.83% | 1.77% |
| Q4 2023 | 3.26% | 2.09% | 1.34% | 3.90% | 1.68% |
| Q1 2024 | 3.18% | 2.22% | 1.15% | 3.90% | 1.74% |
| Q2 2024 | 3.39% | 2.45% | 1.13% | 4.01% | 1.96% |
| Q3 2024 | 3.48% | 2.59% | 1.08% | 4.07% | 2.23% |
| Q4 2024 | 3.53% | 2.59% | 1.13% | 4.13% | 2.43% |
| Q1 2025 | 3.54% | 2.54% | 1.18% | 4.15% | 2.52% |
| Q2 2025 | 3.71% | 2.56% | 1.33% | 4.30% | 2.65% |
| Q3 2025 | 3.78% | 2.59% | 1.41% | 4.35% | 2.73% |
| Q4 2025 | 3.85% | 2.54% | 1.49% | 4.43% | 2.85% |
| Q1 2026 | 3.87% | 2.45% | 1.58% | 4.42% | 3.04% |
| Q2 2026 | 3.94% | 2.33% | 1.76% | 4.42% | 3.23% |
Piscataqua 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 Piscataqua 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 Piscataqua Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17443) · FFIEC NIC profile (RSSD 591209)