Skowhegan 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 0.10 percentage points, from 3.76% to 3.86%, the largest move among the key lines here. Skowhegan Savings Bank ranks 5th of 22 Maine banks on net interest margin, in the upper half at 3.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Skowhegan Savings Bank reported 3.86% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 1.63% |
| Cost of interest-bearing liabilities | 1.63% |
| Cost of borrowings | 0.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.8M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.2M |
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 | 4.37% | 1.26% | 3.26% |
| Q4 2023 | 4.57% | 1.70% | 3.15% |
| Q1 2024 | 4.55% | 1.95% | 2.94% |
| Q2 2024 | 4.58% | 1.95% | 3.02% |
| Q3 2024 | 4.65% | 1.97% | 3.06% |
| Q4 2024 | 4.70% | 1.71% | 3.34% |
| Q1 2025 | 4.66% | 1.53% | 3.42% |
| Q2 2025 | 4.79% | 1.51% | 3.54% |
| Q3 2025 | 4.88% | 1.49% | 3.68% |
| Q4 2025 | 4.93% | 1.48% | 3.76% |
| Q1 2026 | 4.86% | 1.39% | 3.76% |
| Q2 2026 | 4.95% | 1.40% | 3.86% |
Skowhegan 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 Skowhegan 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 Skowhegan Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19532) · FFIEC NIC profile (RSSD 401906)