United 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.
Compared with Q1 2026, Net interest margin rose 0.19 percentage points in Q2 2026 to 3.05%, the biggest move on this page. Within Pennsylvania, United Savings Bank is 78th of 109 on net interest margin, 3.05% 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 Savings Bank sits 0.90 points lower, at 3.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.66% |
| Yield on loans | 5.66% |
| Yield on securities | 4.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 0.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.6M |
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 | 3.80% | 1.40% | 2.60% | 4.94% | 2.54% |
| Q4 2023 | 4.09% | 1.53% | 2.78% | 4.96% | 2.81% |
| Q1 2024 | 4.11% | 1.65% | 2.69% | 5.01% | 3.03% |
| Q2 2024 | 4.49% | 1.75% | 2.99% | 5.16% | 3.25% |
| Q3 2024 | 4.47% | 1.89% | 2.88% | 5.18% | 3.44% |
| Q4 2024 | 4.68% | 1.91% | 3.07% | 5.23% | 3.71% |
| Q1 2025 | 4.51% | 1.89% | 2.90% | 5.32% | 3.94% |
| Q2 2025 | 4.78% | 1.87% | 3.19% | 5.44% | 4.13% |
| Q3 2025 | 4.63% | 1.94% | 3.00% | 5.46% | 4.19% |
| Q4 2025 | 4.68% | 1.98% | 3.04% | 5.49% | 4.19% |
| Q1 2026 | 4.49% | 1.91% | 2.86% | 5.58% | 4.15% |
| Q2 2026 | 4.66% | 1.91% | 3.05% | 5.66% | 4.06% |
United 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 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28836) · FFIEC NIC profile (RSSD 459372)