Reliance 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.
Compared with Q1 2026, Total interest expense fell 4.4% in Q2 2026 to $2.7M, the biggest move on this page. Within Pennsylvania, Reliance Savings Bank is 55th of 109 on net interest margin, 3.47% as of Q2 2026, below the middle of the field. Reliance Savings Bank reported 3.47% on net interest margin for Q2 2026, 0.48 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.2M |
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 |
|---|---|---|---|
| Q3 2023 | 4.30% | 1.95% | 2.74% |
| Q4 2023 | 4.56% | 2.33% | 2.61% |
| Q1 2024 | 4.53% | 2.60% | 2.48% |
| Q2 2024 | 4.70% | 2.42% | 2.65% |
| Q3 2024 | 4.79% | 2.42% | 2.62% |
| Q4 2024 | 4.79% | 2.39% | 2.65% |
| Q1 2025 | 4.80% | 2.08% | 2.92% |
| Q2 2025 | 4.93% | 2.00% | 3.13% |
| Q3 2025 | 5.10% | 2.02% | 3.29% |
| Q4 2025 | 5.10% | 2.08% | 3.23% |
| Q1 2026 | 5.07% | 1.97% | 3.28% |
| Q2 2026 | 5.19% | 1.90% | 3.47% |
Reliance 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 Reliance 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 Reliance Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30117) · FFIEC NIC profile (RSSD 743679)