Stafford 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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 2.46%, the biggest move on this page. Stafford Savings Bank has the 3rd lowest net interest margin of the 27 banks headquartered in Connecticut, at 2.46% as of Q2 2026. Stafford Savings Bank reported 2.46% on net interest margin for Q2 2026, 1.49 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 2.90% |
| Yield on loans | 4.82% |
| Yield on securities | 2.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.03% |
| Cost of interest-bearing liabilities | 1.03% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.46% |
| Yield to cost spread | 1.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $767K |
| Total interest expense | $524K |
| Interest expense on deposits | $524K |
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 | 2.94% | 0.45% | 2.72% | 4.09% | 2.24% |
| Q4 2023 | 3.16% | 0.52% | 2.90% | 4.14% | 2.35% |
| Q1 2024 | 3.03% | 0.61% | 2.74% | 4.16% | 2.36% |
| Q2 2024 | 3.01% | 0.67% | 2.70% | 4.17% | 2.18% |
| Q3 2024 | 2.84% | 0.74% | 2.51% | 4.25% | 2.14% |
| Q4 2024 | 2.80% | 0.75% | 2.48% | 4.28% | 2.06% |
| Q1 2025 | 2.77% | 0.75% | 2.45% | 4.39% | 2.17% |
| Q2 2025 | 2.95% | 0.79% | 2.61% | 4.36% | 2.28% |
| Q3 2025 | 2.79% | 0.83% | 2.44% | 4.52% | 2.18% |
| Q4 2025 | 2.82% | 0.83% | 2.47% | 4.58% | 2.15% |
| Q1 2026 | 2.74% | 0.96% | 2.31% | 4.61% | 2.18% |
| Q2 2026 | 2.90% | 1.01% | 2.46% | 4.82% | 2.23% |
Stafford 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 Stafford 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 Stafford Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18227) · FFIEC NIC profile (RSSD 113003)