Sturdy 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.
Net interest margin rose 0.24 percentage points from Q1 2026 to Q2 2026, ending at 3.72% against 3.48%. It was the largest change among the key lines on this page. Within New Jersey, Sturdy Savings Bank is 12th of 49 on net interest margin, 3.72% as of Q2 2026, above the middle of the field. At 3.72%, Sturdy Savings Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.52% |
| Yield on loans | 5.74% |
| Yield on securities | 2.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.82% |
| Cost of interest-bearing deposits | 1.05% |
| Cost of interest-bearing liabilities | 1.05% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.4M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 | 3.52% | 1.08% | 2.46% | 4.63% | 2.08% |
| Q4 2023 | 3.65% | 1.17% | 2.48% | 4.70% | 2.24% |
| Q1 2024 | 3.74% | 1.30% | 2.44% | 4.83% | 2.27% |
| Q2 2024 | 3.79% | 1.21% | 2.58% | 4.99% | 2.17% |
| Q3 2024 | 3.95% | 1.12% | 2.86% | 5.15% | 2.21% |
| Q4 2024 | 3.95% | 1.03% | 2.94% | 5.15% | 2.23% |
| Q1 2025 | 3.99% | 1.03% | 2.98% | 5.17% | 2.24% |
| Q2 2025 | 4.13% | 1.05% | 3.08% | 5.39% | 2.13% |
| Q3 2025 | 4.21% | 0.90% | 3.35% | 5.46% | 2.20% |
| Q4 2025 | 4.26% | 0.89% | 3.40% | 5.50% | 2.30% |
| Q1 2026 | 4.30% | 0.84% | 3.48% | 5.48% | 2.33% |
| Q2 2026 | 4.52% | 0.82% | 3.72% | 5.74% | 2.40% |
Sturdy 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 Sturdy 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 Sturdy Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28788) · FFIEC NIC profile (RSSD 391977)