Slovenian Savings & Loan Association of Franklin-Conemaugh: 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 0.18 percentage points from Q1 2026 to Q2 2026, ending at 2.36% against 2.18%. It was the largest change among the key lines on this page. Slovenian Savings & Loan Association of Franklin-Conemaugh has the 11th lowest net interest margin of the 109 banks headquartered in Pennsylvania, at 2.36% as of Q2 2026. Slovenian Savings & Loan Association of Franklin-Conemaugh reported 2.36% on net interest margin for Q2 2026, 1.59 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.07% |
| Yield on loans | 4.82% |
| Yield on securities | 2.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.36% |
| Yield to cost spread | 2.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $769K |
| Interest expense on deposits | $769K |
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 | 3.32% | 1.39% | 2.00% | 3.95% | 2.13% |
| Q4 2023 | 3.38% | 1.60% | 1.86% | 4.01% | 2.15% |
| Q1 2024 | 3.47% | 1.84% | 1.70% | 4.07% | 2.13% |
| Q2 2024 | 3.60% | 2.09% | 1.62% | 4.20% | 2.14% |
| Q3 2024 | 3.65% | 2.20% | 1.58% | 4.31% | 2.14% |
| Q4 2024 | 3.66% | 2.16% | 1.63% | 4.37% | 2.14% |
| Q1 2025 | 3.70% | 2.04% | 1.78% | 4.42% | 2.13% |
| Q2 2025 | 3.75% | 1.99% | 1.87% | 4.47% | 2.14% |
| Q3 2025 | 3.89% | 1.98% | 2.00% | 4.61% | 2.19% |
| Q4 2025 | 3.95% | 2.00% | 2.04% | 4.70% | 2.19% |
| Q1 2026 | 3.94% | 1.83% | 2.18% | 4.68% | 2.24% |
| Q2 2026 | 4.07% | 1.80% | 2.36% | 4.82% | 2.35% |
Slovenian Savings & Loan Association of Franklin-Conemaugh yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Slovenian Savings & Loan Association of Franklin-Conemaugh, 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 Slovenian Savings & Loan Association of Franklin-Conemaugh profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31994) · FFIEC NIC profile (RSSD 568377)