Security Federal 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, Net interest margin edged up by 0.11 percentage points, from 3.67% to 3.78%, the largest move among the key lines here. Within Indiana, Security Federal Savings Bank is 39th of 87 on net interest margin, 3.78% as of Q2 2026, above the middle of the field. Security Federal Savings Bank reported 3.78% on net interest margin for Q2 2026, 0.17 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.80% |
| Yield on loans | 6.15% |
| Yield on securities | 2.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.0M |
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 | 4.90% | 1.58% | 3.46% | 5.24% | 2.97% |
| Q4 2023 | 4.99% | 1.85% | 3.31% | 5.33% | 3.18% |
| Q1 2024 | 5.05% | 1.92% | 3.31% | 5.41% | 3.19% |
| Q2 2024 | 5.08% | 2.01% | 3.26% | 5.41% | 3.23% |
| Q3 2024 | 5.31% | 2.15% | 3.36% | 5.66% | 3.21% |
| Q4 2024 | 5.48% | 2.25% | 3.44% | 5.83% | 3.02% |
| Q1 2025 | 5.41% | 2.29% | 3.26% | 5.79% | 3.01% |
| Q2 2025 | 5.75% | 2.37% | 3.64% | 6.23% | 2.92% |
| Q3 2025 | 5.48% | 2.45% | 3.34% | 5.91% | 2.72% |
| Q4 2025 | 5.75% | 2.32% | 3.60% | 6.16% | 2.87% |
| Q1 2026 | 5.75% | 2.18% | 3.67% | 6.10% | 2.76% |
| Q2 2026 | 5.80% | 2.13% | 3.78% | 6.15% | 2.75% |
Security Federal 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 Security Federal 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 Security Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28894) · FFIEC NIC profile (RSSD 32971)