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.
In Q2 2026, Cost of borrowings edged up by 0.11 percentage points, from 3.71% to 3.82%, the largest move among the key lines here. Within Ohio, Union Savings Bank is 129th of 156 on net interest margin, 2.96% 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. Union Savings Bank sits 0.75 points lower, at 2.96% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.89% |
| Yield on loans | 5.81% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.06% |
| Cost of interest-bearing deposits | 3.34% |
| Cost of interest-bearing liabilities | 3.31% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.96% |
| Yield to cost spread | 2.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $51.5M |
| Total interest expense | $27.3M |
| Interest expense on deposits | $27.1M |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.18% | 3.19% | 2.11% | 4.94% |
| Q4 2023 | 5.35% | 3.68% | 1.94% | 5.17% |
| Q1 2024 | 5.49% | 3.81% | 1.89% | 5.28% |
| Q2 2024 | 5.67% | 3.96% | 1.93% | 5.44% |
| Q3 2024 | 5.79% | 4.03% | 1.94% | 5.56% |
| Q4 2024 | 5.80% | 3.75% | 2.25% | 5.60% |
| Q1 2025 | 5.69% | 3.40% | 2.39% | 5.57% |
| Q2 2025 | 5.81% | 3.25% | 2.66% | 5.70% |
| Q3 2025 | 5.94% | 3.33% | 2.72% | 5.85% |
| Q4 2025 | 5.98% | 3.21% | 2.87% | 5.94% |
| Q1 2026 | 5.95% | 3.05% | 2.98% | 5.80% |
| Q2 2026 | 5.89% | 3.06% | 2.96% | 5.81% |
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 32296) · FFIEC NIC profile (RSSD 911973)