United Roosevelt 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, Yield on earning assets edged up by 0.19 percentage points, from 5.49% to 5.68%, the largest move among the key lines here. Within New Jersey, United Roosevelt Savings Bank is 33rd of 49 on net interest margin, 2.95% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Roosevelt Savings Bank sits 1.00 points lower, at 2.95% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 5.92% |
| Yield on securities | 4.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.80% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.98% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.95% |
| Yield to cost spread | 2.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.0M |
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 | 3.95% | 1.94% | 2.42% | 4.02% | 2.95% |
| Q4 2023 | 4.24% | 2.06% | 2.56% | 4.35% | 2.98% |
| Q1 2024 | 4.84% | 2.27% | 2.69% | 5.13% | 2.75% |
| Q2 2024 | 5.09% | 2.41% | 2.80% | 5.38% | 3.04% |
| Q3 2024 | 5.20% | 2.67% | 2.66% | 5.49% | 3.36% |
| Q4 2024 | 5.26% | 2.75% | 2.61% | 5.51% | 3.65% |
| Q1 2025 | 5.32% | 2.67% | 2.76% | 5.62% | 3.39% |
| Q2 2025 | 5.30% | 2.79% | 2.65% | 5.64% | 3.31% |
| Q3 2025 | 5.58% | 2.86% | 2.82% | 5.85% | 3.82% |
| Q4 2025 | 5.59% | 2.84% | 2.82% | 5.84% | 3.88% |
| Q1 2026 | 5.49% | 2.63% | 2.87% | 5.81% | 4.05% |
| Q2 2026 | 5.68% | 2.80% | 2.95% | 5.92% | 4.09% |
United Roosevelt 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 United Roosevelt 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 United Roosevelt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29170) · FFIEC NIC profile (RSSD 644776)