Union 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.02%. Within Connecticut, Union Savings Bank is 22nd of 27 on net interest margin, 3.02% as of Q2 2026, below the middle of the field. Union Savings Bank reported 3.02% on net interest margin for Q2 2026, 0.69 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.56% |
| Yield on loans | 5.40% |
| Yield on securities | 1.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 3.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.02% |
| Yield to cost spread | 2.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $31.6M |
| Total interest expense | $12.2M |
| Interest expense on deposits | $8.7M |
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 | 3.98% | 1.63% | 2.46% | 5.29% | 1.39% |
| Q4 2023 | 4.06% | 1.88% | 2.31% | 5.33% | 1.40% |
| Q1 2024 | 4.21% | 1.94% | 2.39% | 5.39% | 1.45% |
| Q2 2024 | 4.31% | 2.01% | 2.45% | 5.51% | 1.50% |
| Q3 2024 | 4.37% | 2.11% | 2.42% | 5.57% | 1.52% |
| Q4 2024 | 4.34% | 2.02% | 2.47% | 5.45% | 1.57% |
| Q1 2025 | 4.39% | 1.79% | 2.72% | 5.32% | 1.61% |
| Q2 2025 | 4.48% | 1.74% | 2.86% | 5.39% | 1.63% |
| Q3 2025 | 4.58% | 1.78% | 2.93% | 5.50% | 1.64% |
| Q4 2025 | 4.55% | 1.80% | 2.88% | 5.44% | 1.64% |
| Q1 2026 | 4.46% | 1.64% | 2.93% | 5.32% | 1.63% |
| Q2 2026 | 4.56% | 1.65% | 3.02% | 5.40% | 1.63% |
Union 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 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18190) · FFIEC NIC profile (RSSD 443205)