Provident Savings Bank, F.S.B.: 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.
In Q2 2026, Yield on loans edged up by 0.18 percentage points, from 4.93% to 5.11%, the largest move among the key lines here. Provident Savings Bank, F.S.B. ranks 93rd of 114 California banks on net interest margin, in the lower half at 3.23% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Provident Savings Bank, F.S.B. sits 0.48 points lower, at 3.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.81% |
| Yield on loans | 5.11% |
| Yield on securities | 1.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 1.48% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | 4.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.23% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.2M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $3.0M |
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 | 4.19% | 1.45% | 2.87% | 4.52% | 1.36% |
| Q4 2023 | 4.32% | 1.69% | 2.78% | 4.64% | 1.42% |
| Q1 2024 | 4.42% | 1.83% | 2.75% | 4.75% | 1.46% |
| Q2 2024 | 4.52% | 1.94% | 2.76% | 4.85% | 1.48% |
| Q3 2024 | 4.62% | 1.97% | 2.84% | 4.95% | 1.48% |
| Q4 2024 | 4.66% | 1.91% | 2.92% | 4.99% | 1.52% |
| Q1 2025 | 4.73% | 1.87% | 3.03% | 5.06% | 1.54% |
| Q2 2025 | 4.68% | 1.90% | 2.96% | 4.98% | 1.56% |
| Q3 2025 | 4.77% | 1.92% | 3.03% | 5.08% | 1.57% |
| Q4 2025 | 4.76% | 1.86% | 3.07% | 5.06% | 1.58% |
| Q1 2026 | 4.74% | 1.76% | 3.15% | 4.93% | 1.60% |
| Q2 2026 | 4.81% | 1.74% | 3.23% | 5.11% | 1.59% |
Provident Savings Bank, F.S.B. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Provident Savings Bank, F.S.B., 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 Provident Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30879) · FFIEC NIC profile (RSSD 631570)