Rosedale 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, Net interest margin edged up by 0.09 percentage points, from 2.51% to 2.60%, the largest move among the key lines here. On net interest margin, Rosedale Bank is 3rd from the bottom among 27 Maryland banks, 2.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Rosedale Bank sits 1.11 points lower, at 2.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.44% |
| Yield on loans | 4.94% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.60% |
| Yield to cost spread | 2.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.8M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $6.0M |
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 | 3.96% | 1.63% | 2.61% | 4.31% | 2.02% |
| Q4 2023 | 4.10% | 1.91% | 2.52% | 4.42% | 2.27% |
| Q1 2024 | 4.29% | 2.27% | 2.39% | 4.56% | 2.38% |
| Q2 2024 | 4.26% | 2.53% | 2.14% | 4.46% | 2.43% |
| Q3 2024 | 4.35% | 2.71% | 2.08% | 4.59% | 2.47% |
| Q4 2024 | 4.26% | 2.67% | 2.05% | 4.60% | 2.53% |
| Q1 2025 | 4.21% | 2.47% | 2.16% | 4.62% | 2.47% |
| Q2 2025 | 4.30% | 2.31% | 2.39% | 4.69% | 2.62% |
| Q3 2025 | 4.37% | 2.25% | 2.50% | 4.77% | 2.58% |
| Q4 2025 | 4.44% | 2.24% | 2.57% | 4.91% | 2.62% |
| Q1 2026 | 4.36% | 2.21% | 2.51% | 4.84% | 2.64% |
| Q2 2026 | 4.44% | 2.20% | 2.60% | 4.94% | 2.68% |
Rosedale 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 Rosedale 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 Rosedale Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29613) · FFIEC NIC profile (RSSD 86675)