Sawyer 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, Yield on securities edged down by 0.07 percentage points, from 3.48% to 3.41%, the largest move among the key lines here. Within New York, Sawyer Savings Bank is 80th of 105 on net interest margin, 3.15% as of Q2 2026, below the middle of the field. Sawyer Savings Bank reported 3.15% on net interest margin for Q2 2026, 0.80 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 5.33% |
| Yield on securities | 3.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 4.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.50% | 1.75% | 2.90% | 4.58% | 4.19% |
| Q4 2023 | 4.60% | 2.06% | 2.73% | 4.69% | 4.16% |
| Q1 2024 | 4.68% | 2.16% | 2.71% | 4.80% | 4.07% |
| Q2 2024 | 4.79% | 2.22% | 2.76% | 4.92% | 4.14% |
| Q3 2024 | 4.85% | 2.29% | 2.77% | 4.99% | 4.07% |
| Q4 2024 | 4.83% | 2.31% | 2.75% | 5.02% | 3.74% |
| Q1 2025 | 4.91% | 2.28% | 2.86% | 5.13% | 3.90% |
| Q2 2025 | 4.87% | 2.25% | 2.84% | 5.10% | 3.67% |
| Q3 2025 | 4.87% | 2.25% | 2.87% | 5.13% | 3.60% |
| Q4 2025 | 4.85% | 2.28% | 2.84% | 5.17% | 3.49% |
| Q1 2026 | 4.96% | 2.05% | 3.14% | 5.31% | 3.58% |
| Q2 2026 | 4.97% | 2.05% | 3.15% | 5.33% | 3.47% |
Sawyer 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 Sawyer 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 Sawyer Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16039) · FFIEC NIC profile (RSSD 605610)