The 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.
Cost of borrowings climbed 0.81 percentage points in Q2 2026, from 4.36% to 5.17%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Savings Bank is 92nd of 156 on net interest margin, 3.56% as of Q2 2026, below the middle of the field. The Savings Bank reported 3.56% on net interest margin for Q2 2026, 0.39 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | 5.79% |
| Yield on securities | 2.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 5.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.6M |
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 | 4.09% | 1.64% | 2.54% | 5.12% | 1.54% |
| Q4 2023 | 4.15% | 1.76% | 2.44% | 5.14% | 1.58% |
| Q1 2024 | 4.15% | 1.78% | 2.44% | 5.16% | 1.55% |
| Q2 2024 | 4.24% | 1.81% | 2.52% | 5.28% | 1.57% |
| Q3 2024 | 4.46% | 1.82% | 2.71% | 5.43% | 1.59% |
| Q4 2024 | 4.49% | 1.74% | 2.85% | 5.50% | 1.59% |
| Q1 2025 | 4.43% | 1.63% | 2.87% | 5.35% | 1.58% |
| Q2 2025 | 4.55% | 1.57% | 3.07% | 5.50% | 1.59% |
| Q3 2025 | 4.72% | 1.69% | 3.13% | 5.70% | 1.59% |
| Q4 2025 | 4.74% | 1.61% | 3.22% | 5.68% | 1.61% |
| Q1 2026 | 4.76% | 1.54% | 3.31% | 5.61% | 1.71% |
| Q2 2026 | 5.02% | 1.54% | 3.56% | 5.79% | 2.06% |
The 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 The 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 The Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13216) · FFIEC NIC profile (RSSD 578116)