Settlers 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.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 4.66% against 4.50%. It was the largest change among the key lines on this page. Among 156 Ohio banks, Settlers Bank sits 13th from the top on net interest margin, 4.66% as of Q2 2026. Settlers Bank reported 4.66% on net interest margin for Q2 2026, 0.71 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.61% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.10% |
| Cost of interest-bearing deposits | 1.48% |
| Cost of interest-bearing liabilities | 1.48% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.66% |
| Yield to cost spread | 4.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $325K |
| Interest expense on deposits | $325K |
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 |
|---|---|---|---|
| Q3 2023 | 5.14% | 0.50% | 4.70% |
| Q4 2023 | 5.23% | 0.63% | 4.68% |
| Q1 2024 | 5.13% | 0.73% | 4.49% |
| Q2 2024 | 5.34% | 0.82% | 4.64% |
| Q3 2024 | 5.44% | 0.89% | 4.66% |
| Q4 2024 | 5.47% | 0.92% | 4.68% |
| Q1 2025 | 5.25% | 0.89% | 4.47% |
| Q2 2025 | 5.64% | 0.98% | 4.78% |
| Q3 2025 | 5.81% | 1.05% | 4.90% |
| Q4 2025 | 5.68% | 1.12% | 4.71% |
| Q1 2026 | 5.45% | 1.11% | 4.50% |
| Q2 2026 | 5.61% | 1.10% | 4.66% |
Settlers 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 Settlers 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 Settlers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35060) · FFIEC NIC profile (RSSD 2747279)