Tioga-Franklin 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 dropped 0.38 percentage points in Q2 2026, from 3.01% to 2.63%. It was the largest change from Q1 2026 among the key lines here. Tioga-Franklin Savings Bank reported 2.63% on net interest margin for Q2 2026, 1.25 points below the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 6.27% |
| Yield on securities | 5.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.49% |
| Cost of interest-bearing deposits | 3.59% |
| Cost of interest-bearing liabilities | 3.59% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.63% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $920K |
| Total interest expense | $581K |
| Interest expense on deposits | $581K |
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 | 6.37% | 4.02% | 3.05% | 6.47% | 3.78% |
| Q4 2023 | 7.50% | 4.25% | 3.91% | 7.81% | 4.91% |
| Q1 2024 | 6.89% | 4.55% | 3.00% | 7.11% | 4.19% |
| Q2 2024 | 6.85% | 4.44% | 3.27% | 7.15% | 5.48% |
| Q3 2024 | 6.37% | 4.03% | 2.64% | 6.58% | 4.55% |
| Q4 2024 | 6.83% | 3.96% | 3.12% | 7.31% | 4.76% |
| Q1 2025 | 6.34% | 3.74% | 2.80% | 6.74% | 5.10% |
| Q2 2025 | 6.48% | 3.70% | 2.91% | 6.76% | 5.48% |
| Q3 2025 | 6.37% | 3.62% | 2.90% | 6.66% | 5.63% |
| Q4 2025 | 6.63% | 3.56% | 3.18% | 6.93% | 6.40% |
| Q1 2026 | 6.33% | 3.43% | 3.01% | 6.60% | 5.88% |
| Q2 2026 | 6.02% | 3.49% | 2.63% | 6.27% | 5.78% |
Tioga-Franklin 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 Tioga-Franklin 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 Tioga-Franklin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33802) · FFIEC NIC profile (RSSD 885579)