United Midwest Savings Bank, N.A.: 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.
Compared with Q1 2026, Net interest margin fell 0.15 percentage points in Q2 2026 to 4.35%, the biggest move on this page. United Midwest Savings Bank, N.A. ranks 30th of 156 Ohio banks on net interest margin, in the upper half at 4.35% (Q2 2026). United Midwest Savings Bank, N.A. reported 4.35% on net interest margin for Q2 2026, 0.40 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.46% |
| Yield on loans | 8.55% |
| Yield on securities | 4.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.54% |
| Cost of interest-bearing deposits | 3.71% |
| Cost of interest-bearing liabilities | 3.71% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.0M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.8M |
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 | 8.40% | 3.33% | 5.53% | 9.16% | 3.04% |
| Q4 2023 | 8.14% | 3.70% | 5.04% | 9.29% | 3.35% |
| Q1 2024 | 8.89% | 3.90% | 5.32% | 10.22% | 4.59% |
| Q2 2024 | 8.60% | 4.08% | 4.93% | 10.03% | 4.24% |
| Q3 2024 | 8.81% | 4.21% | 4.97% | 10.38% | 4.25% |
| Q4 2024 | 8.50% | 4.23% | 4.63% | 10.11% | 4.38% |
| Q1 2025 | 8.23% | 3.99% | 4.56% | 9.65% | 4.21% |
| Q2 2025 | 8.16% | 3.88% | 4.71% | 9.34% | 4.55% |
| Q3 2025 | 8.13% | 3.81% | 4.75% | 9.14% | 4.20% |
| Q4 2025 | 8.03% | 3.74% | 4.70% | 9.26% | 4.32% |
| Q1 2026 | 7.74% | 3.54% | 4.50% | 8.79% | 4.48% |
| Q2 2026 | 7.46% | 3.54% | 4.35% | 8.55% | 4.42% |
United Midwest Savings Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Midwest Savings Bank, N.A., 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 United Midwest Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32441) · FFIEC NIC profile (RSSD 809276)