The Torrington 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.
Cost of borrowings dropped 2.03 percentage points in Q2 2026, from 3.42% to 1.39%. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, The Torrington Savings Bank is 17th of 27 on net interest margin, 3.24% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Torrington Savings Bank sits 0.47 points lower, at 3.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.71% |
| Yield on loans | 5.02% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | 1.39% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.24% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.9M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.4M |
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 | 3.86% | 1.21% | 2.83% | 4.02% | 3.39% |
| Q4 2023 | 3.99% | 1.62% | 2.60% | 4.17% | 3.36% |
| Q1 2024 | 4.20% | 1.85% | 2.61% | 4.40% | 3.32% |
| Q2 2024 | 4.27% | 2.01% | 2.57% | 4.39% | 3.76% |
| Q3 2024 | 4.37% | 2.17% | 2.51% | 4.57% | 3.54% |
| Q4 2024 | 4.36% | 2.20% | 2.50% | 4.53% | 3.63% |
| Q1 2025 | 4.42% | 2.09% | 2.63% | 4.69% | 3.20% |
| Q2 2025 | 4.57% | 2.03% | 2.83% | 4.82% | 3.32% |
| Q3 2025 | 4.68% | 2.02% | 2.95% | 4.88% | 3.45% |
| Q4 2025 | 4.73% | 1.96% | 3.05% | 5.03% | 3.05% |
| Q1 2026 | 4.63% | 1.79% | 3.09% | 4.94% | 2.92% |
| Q2 2026 | 4.71% | 1.71% | 3.24% | 5.02% | 2.80% |
The Torrington 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 The Torrington 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 The Torrington Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16636) · FFIEC NIC profile (RSSD 65205)