Security 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 rose 0.71 percentage points from Q1 2026 to Q2 2026, ending at 0.71% against 0.00%. It was the largest change among the key lines on this page. Within Illinois, Security Savings Bank is 129th of 323 on net interest margin, 3.87% as of Q2 2026. At 3.87%, Security Savings Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 6.09% |
| Yield on securities | 2.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.16% |
| Cost of interest-bearing deposits | 1.33% |
| Cost of interest-bearing liabilities | 1.32% |
| Cost of borrowings | 0.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $647K |
| Interest expense on deposits | $646K |
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 | 3.71% | 1.34% | 2.45% | 5.27% | 1.71% |
| Q4 2023 | 3.83% | 1.49% | 2.43% | 5.38% | 1.67% |
| Q1 2024 | 4.04% | 1.38% | 2.73% | 5.61% | 1.67% |
| Q2 2024 | 4.24% | 1.56% | 2.78% | 5.88% | 1.67% |
| Q3 2024 | 4.39% | 1.75% | 2.75% | 6.00% | 1.71% |
| Q4 2024 | 4.55% | 1.70% | 2.96% | 6.17% | 1.74% |
| Q1 2025 | 4.63% | 1.47% | 3.23% | 6.18% | 1.85% |
| Q2 2025 | 4.79% | 1.37% | 3.51% | 6.24% | 1.88% |
| Q3 2025 | 4.96% | 1.35% | 3.71% | 6.36% | 2.00% |
| Q4 2025 | 5.08% | 1.31% | 3.84% | 6.52% | 2.09% |
| Q1 2026 | 4.98% | 1.20% | 3.86% | 6.41% | 2.55% |
| Q2 2026 | 4.96% | 1.16% | 3.87% | 6.09% | 2.71% |
Security 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 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28925) · FFIEC NIC profile (RSSD 708379)