SSB Community 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.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.51 percentage points to 3.24%. Within Ohio, SSB Community Bank is 27th of 156 on net interest margin, 4.39% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. SSB Community Bank sits 0.44 points higher, at 4.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.01% |
| Yield on loans | 7.41% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.82% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.02% |
| Cost of borrowings | 3.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.89% | 2.56% | 3.51% | 6.03% |
| Q4 2023 | 6.19% | 2.85% | 3.50% | 6.32% |
| Q1 2024 | 6.30% | 3.11% | 3.35% | 6.43% |
| Q2 2024 | 6.53% | 3.22% | 3.48% | 6.70% |
| Q3 2024 | 6.45% | 3.38% | 3.28% | 6.64% |
| Q4 2024 | 6.69% | 3.26% | 3.60% | 6.93% |
| Q1 2025 | 6.57% | 3.13% | 3.60% | 6.82% |
| Q2 2025 | 7.52% | 3.07% | 4.62% | 7.88% |
| Q3 2025 | 7.04% | 3.01% | 4.22% | 7.33% |
| Q4 2025 | 7.03% | 2.88% | 4.34% | 7.39% |
| Q1 2026 | 6.88% | 2.77% | 4.28% | 7.25% |
| Q2 2026 | 7.01% | 2.82% | 4.39% | 7.41% |
SSB Community 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 SSB Community 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 SSB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29858) · FFIEC NIC profile (RSSD 995674)