Savings Bank of Mendocino County: 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.
Total interest expense dropped 13.3% in Q2 2026, from $2.8M to $2.4M. It was the largest change from Q1 2026 among the key lines here. Within California, Savings Bank of Mendocino County is 64th of 114 on net interest margin, 3.69% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Savings Bank of Mendocino County reported 3.69% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.45% |
| Yield on loans | 5.99% |
| Yield on securities | 2.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.11% |
| Cost of interest-bearing liabilities | 1.31% |
| Cost of borrowings | 3.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.2M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $1.9M |
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 | 3.88% | 0.57% | 3.25% | 5.12% | 2.42% |
| Q4 2023 | 3.94% | 0.60% | 3.28% | 5.19% | 2.46% |
| Q1 2024 | 4.04% | 0.96% | 3.21% | 5.30% | 2.46% |
| Q2 2024 | 4.13% | 1.11% | 3.15% | 5.43% | 2.46% |
| Q3 2024 | 4.19% | 1.19% | 3.16% | 5.56% | 2.45% |
| Q4 2024 | 4.27% | 1.19% | 3.24% | 5.68% | 2.43% |
| Q1 2025 | 4.23% | 1.26% | 3.13% | 5.59% | 2.40% |
| Q2 2025 | 4.32% | 1.27% | 3.22% | 5.69% | 2.44% |
| Q3 2025 | 4.40% | 1.14% | 3.42% | 5.87% | 2.38% |
| Q4 2025 | 4.46% | 1.13% | 3.49% | 5.98% | 2.31% |
| Q1 2026 | 4.48% | 1.00% | 3.61% | 5.88% | 2.30% |
| Q2 2026 | 4.45% | 0.89% | 3.69% | 5.99% | 2.29% |
Savings Bank of Mendocino County yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Savings Bank of Mendocino County, 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 Savings Bank of Mendocino County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8011) · FFIEC NIC profile (RSSD 146663)