Ridgewood 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 1.0% between Q1 2026 and Q2 2026, to $38.8M. Ridgewood Savings Bank has the 10th lowest net interest margin of the 105 banks headquartered in New York, at 2.08% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Ridgewood Savings Bank sits 1.63 points lower, at 2.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.22% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.08% |
| Yield to cost spread | 1.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $59.0M |
| Total interest expense | $38.8M |
| Interest expense on deposits | $34.1M |
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 |
|---|---|---|---|
| Q3 2023 | 3.54% | 1.80% | 1.81% |
| Q4 2023 | 3.74% | 2.00% | 1.83% |
| Q1 2024 | 3.77% | 2.16% | 1.70% |
| Q2 2024 | 3.83% | 2.26% | 1.67% |
| Q3 2024 | 3.93% | 2.39% | 1.64% |
| Q4 2024 | 3.98% | 2.41% | 1.68% |
| Q1 2025 | 3.98% | 2.32% | 1.74% |
| Q2 2025 | 4.05% | 2.37% | 1.82% |
| Q3 2025 | 4.11% | 2.33% | 1.87% |
| Q4 2025 | 4.33% | 2.46% | 2.11% |
| Q1 2026 | 4.20% | 2.36% | 2.07% |
| Q2 2026 | 4.22% | 2.37% | 2.08% |
Ridgewood 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 Ridgewood 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 Ridgewood Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16026) · FFIEC NIC profile (RSSD 859712)