Schuyler 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 2.60%. Within New Jersey, Schuyler Savings Bank is 39th of 49 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. Schuyler Savings Bank sits 1.35 points lower, at 2.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 4.88% |
| Yield on securities | 4.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.63% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 3.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.60% |
| Yield to cost spread | 2.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $799K |
| Interest expense on deposits | $719K |
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 | 4.26% | 2.32% | 2.45% | 4.26% | 3.43% |
| Q4 2023 | 4.34% | 2.80% | 2.13% | 4.35% | 3.29% |
| Q1 2024 | 4.36% | 3.06% | 1.96% | 4.41% | 3.10% |
| Q2 2024 | 4.40% | 3.21% | 1.84% | 4.44% | 3.19% |
| Q3 2024 | 4.61% | 3.34% | 1.93% | 4.67% | 3.87% |
| Q4 2024 | 4.75% | 3.27% | 2.15% | 4.81% | 3.89% |
| Q1 2025 | 4.55% | 2.95% | 2.19% | 4.61% | 4.09% |
| Q2 2025 | 4.66% | 2.99% | 2.31% | 4.71% | 4.05% |
| Q3 2025 | 4.80% | 2.88% | 2.54% | 4.91% | 4.15% |
| Q4 2025 | 5.02% | 2.83% | 2.73% | 5.14% | 3.98% |
| Q1 2026 | 4.67% | 2.81% | 2.48% | 4.86% | 3.96% |
| Q2 2026 | 4.77% | 2.63% | 2.60% | 4.88% | 4.01% |
Schuyler 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 Schuyler 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 Schuyler Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30072) · FFIEC NIC profile (RSSD 657178)