Rondout 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.
In Q2 2026, Total interest expense edged up by 1.7%, from $2.3M to $2.4M, the largest move among the key lines here. Within New York, Rondout Savings Bank is 88th of 105 on net interest margin, 2.60% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Rondout Savings Bank sits 1.35 points lower, at 2.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.51% |
| Yield on loans | 4.92% |
| Yield on securities | 1.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.60% |
| Yield to cost spread | 2.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $2.4M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.17% | 2.02% | 2.29% | 4.49% | 2.13% |
| Q4 2023 | 4.29% | 2.25% | 2.18% | 4.60% | 2.14% |
| Q1 2024 | 4.32% | 2.43% | 2.02% | 4.65% | 2.10% |
| Q2 2024 | 4.37% | 2.52% | 1.99% | 4.68% | 1.98% |
| Q3 2024 | 4.40% | 2.54% | 2.01% | 4.72% | 1.88% |
| Q4 2024 | 4.25% | 2.63% | 1.78% | 4.56% | 1.73% |
| Q1 2025 | 4.41% | 2.52% | 2.03% | 4.77% | 1.93% |
| Q2 2025 | 4.39% | 2.41% | 2.13% | 4.72% | 1.75% |
| Q3 2025 | 4.39% | 2.17% | 2.35% | 4.74% | 1.87% |
| Q4 2025 | 4.46% | 2.11% | 2.49% | 4.84% | 1.78% |
| Q1 2026 | 4.41% | 2.01% | 2.53% | 4.82% | 1.78% |
| Q2 2026 | 4.51% | 2.03% | 2.60% | 4.92% | 1.77% |
Rondout 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 Rondout 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 Rondout Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15969) · FFIEC NIC profile (RSSD 425108)