Somerville 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 0.22 percentage points from Q1 2026 to Q2 2026, ending at 3.42% against 3.20%. It was the largest change among the key lines on this page. Within Ohio, Somerville Bank is 103rd of 156 on net interest margin, 3.42% 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. Somerville Bank sits 0.53 points lower, at 3.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.21% |
| Yield on loans | 6.15% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 1.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 4.54% | 1.59% | 3.06% | 5.37% | 2.08% |
| Q4 2023 | 4.55% | 1.79% | 2.90% | 5.29% | 2.06% |
| Q1 2024 | 4.57% | 1.89% | 2.81% | 5.29% | 2.11% |
| Q2 2024 | 4.76% | 1.97% | 2.93% | 5.61% | 2.08% |
| Q3 2024 | 4.92% | 2.05% | 3.01% | 5.71% | 2.10% |
| Q4 2024 | 4.88% | 2.08% | 2.94% | 5.71% | 2.07% |
| Q1 2025 | 4.88% | 2.00% | 3.00% | 5.69% | 2.10% |
| Q2 2025 | 5.12% | 2.09% | 3.16% | 6.00% | 2.10% |
| Q3 2025 | 5.23% | 2.26% | 3.23% | 6.05% | 2.09% |
| Q4 2025 | 5.20% | 2.23% | 3.23% | 6.04% | 2.17% |
| Q1 2026 | 5.09% | 2.01% | 3.20% | 5.95% | 2.25% |
| Q2 2026 | 5.21% | 1.93% | 3.42% | 6.15% | 2.57% |
Somerville 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 Somerville 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 Somerville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6700) · FFIEC NIC profile (RSSD 411624)