Sewickley 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 dropped 2.96 percentage points in Q2 2026, from 5.45% to 2.49%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Sewickley Savings Bank is 96th of 109 on net interest margin, 2.58% 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. Sewickley Savings Bank sits 1.37 points lower, at 2.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.05% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.83% |
| Cost of interest-bearing deposits | 3.05% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | 2.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.58% |
| Yield to cost spread | 2.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $753K |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.6M |
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 | 3.27% | 2.22% | 1.53% |
| Q4 2023 | 4.01% | 2.28% | 1.89% |
| Q1 2024 | 4.91% | 2.83% | 2.46% |
| Q2 2024 | 5.16% | 3.03% | 2.53% |
| Q3 2024 | 5.08% | 3.24% | 2.33% |
| Q4 2024 | 5.10% | 3.22% | 2.36% |
| Q1 2025 | 4.98% | 2.90% | 2.48% |
| Q2 2025 | 5.18% | 3.25% | 2.33% |
| Q3 2025 | 5.29% | 3.07% | 2.61% |
| Q4 2025 | 5.16% | 3.08% | 2.42% |
| Q1 2026 | 5.10% | 3.05% | 2.44% |
| Q2 2026 | 5.05% | 2.83% | 2.58% |
Sewickley 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 Sewickley 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 Sewickley Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30154) · FFIEC NIC profile (RSSD 678070)