Union County 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.
The largest change between Q1 2026 and Q2 2026 was in Yield to cost spread, which fell 0.54 percentage points to -0.72%. Union County Savings Bank has the 1st lowest net interest margin of the 49 banks headquartered in New Jersey, at -0.28% as of Q2 2026. Union County Savings Bank's net interest margin of -0.28% is well below the 3.71% median for banks in the $1B-10B asset tier, a gap of 3.99 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 2.79% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.44% |
| Cost of interest-bearing deposits | 3.36% |
| Cost of interest-bearing liabilities | 3.51% |
| Cost of borrowings | 4.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | -0.28% |
| Yield to cost spread | -0.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $12.7M |
| Interest expense on deposits | $10.9M |
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 |
|---|---|---|---|
| Q3 2023 | 2.87% | 3.21% | 0.07% |
| Q4 2023 | 3.49% | 3.73% | -0.44% |
| Q1 2024 | 2.86% | 4.00% | -0.58% |
| Q2 2024 | 3.01% | 4.22% | -0.67% |
| Q3 2024 | 3.07% | 4.36% | -0.78% |
| Q4 2024 | 2.80% | 3.90% | -0.69% |
| Q1 2025 | 2.94% | 3.80% | -0.47% |
| Q2 2025 | 2.92% | 3.98% | -0.38% |
| Q3 2025 | 2.87% | 3.95% | -0.36% |
| Q4 2025 | 2.81% | 3.86% | -0.35% |
| Q1 2026 | 3.31% | 3.72% | -0.45% |
| Q2 2026 | 2.79% | 3.44% | -0.28% |
Union County 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 Union County 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 Union County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12013) · FFIEC NIC profile (RSSD 373601)