Thomaston 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.
Total interest expense fell 5.8% from Q1 2026 to Q2 2026, ending at $6.6M against $7.0M. It was the largest change among the key lines on this page. Within Connecticut, Thomaston Savings Bank is 11th of 27 on net interest margin, 3.46% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Thomaston Savings Bank sits 0.25 points lower, at 3.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.89% |
| Yield on loans | 5.63% |
| Yield on securities | 2.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 4.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.46% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.2M |
| Total interest expense | $6.6M |
| Interest expense on deposits | $6.1M |
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 | 4.06% | 1.30% | 2.80% | 4.85% | 2.35% |
| Q4 2023 | 4.33% | 1.53% | 2.83% | 5.03% | 2.44% |
| Q1 2024 | 4.36% | 1.76% | 2.63% | 5.10% | 2.38% |
| Q2 2024 | 4.49% | 1.90% | 2.62% | 5.23% | 2.34% |
| Q3 2024 | 4.59% | 1.98% | 2.65% | 5.36% | 2.31% |
| Q4 2024 | 4.63% | 1.95% | 2.75% | 5.39% | 2.26% |
| Q1 2025 | 4.55% | 1.84% | 2.77% | 5.33% | 2.14% |
| Q2 2025 | 4.66% | 1.77% | 2.98% | 5.43% | 2.18% |
| Q3 2025 | 4.78% | 1.79% | 3.10% | 5.53% | 2.28% |
| Q4 2025 | 4.84% | 1.77% | 3.18% | 5.58% | 2.26% |
| Q1 2026 | 4.80% | 1.62% | 3.28% | 5.53% | 2.20% |
| Q2 2026 | 4.89% | 1.53% | 3.46% | 5.63% | 2.21% |
Thomaston 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 Thomaston 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 Thomaston Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18258) · FFIEC NIC profile (RSSD 120609)