The Sherwood State 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 0.23 percentage points from Q1 2026 to Q2 2026, ending at 4.66% against 4.43%. It was the largest change among the key lines on this page. Among 156 Ohio banks, The Sherwood State Bank sits 13th from the top on net interest margin, 4.66% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Sherwood State Bank sits 0.71 points higher, at 4.66% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.01% |
| Yield on loans | 6.74% |
| Yield on securities | 2.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.66% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $333K |
| Interest expense on deposits | $286K |
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 | 5.23% | 1.30% | 4.11% | 6.06% | 1.99% |
| Q4 2023 | 6.02% | 1.60% | 4.64% | 7.00% | 2.15% |
| Q1 2024 | 5.39% | 1.80% | 3.85% | 6.20% | 2.31% |
| Q2 2024 | 5.52% | 1.97% | 3.83% | 6.36% | 2.07% |
| Q3 2024 | 5.55% | 2.05% | 3.83% | 6.36% | 2.05% |
| Q4 2024 | 5.82% | 1.96% | 4.14% | 6.76% | 2.10% |
| Q1 2025 | 5.57% | 1.74% | 4.06% | 6.28% | 2.05% |
| Q2 2025 | 6.39% | 1.86% | 4.80% | 7.37% | 2.21% |
| Q3 2025 | 5.88% | 1.90% | 4.26% | 6.69% | 2.24% |
| Q4 2025 | 5.93% | 1.73% | 4.46% | 6.75% | 2.26% |
| Q1 2026 | 5.79% | 1.51% | 4.43% | 6.52% | 2.34% |
| Q2 2026 | 6.01% | 1.48% | 4.66% | 6.74% | 2.46% |
The Sherwood State 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 The Sherwood State 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 The Sherwood State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16222) · FFIEC NIC profile (RSSD 546320)