Washington 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 0.17 percentage points in Q2 2026 to 2.73%, the biggest move on this page. On net interest margin, Washington Savings Bank is 18th from the bottom among 323 Illinois banks, 2.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Washington Savings Bank sits 1.22 points lower, at 2.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.62% |
| Yield on loans | 5.67% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 4.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.73% |
| Yield to cost spread | 2.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.7M |
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 | 3.67% | 1.91% | 1.89% | 4.54% | 2.10% |
| Q4 2023 | 3.76% | 2.03% | 1.89% | 4.68% | 2.08% |
| Q1 2024 | 3.85% | 2.29% | 1.75% | 4.68% | 2.07% |
| Q2 2024 | 3.93% | 2.35% | 1.78% | 4.82% | 2.05% |
| Q3 2024 | 4.05% | 2.35% | 1.90% | 5.01% | 2.07% |
| Q4 2024 | 4.04% | 2.18% | 2.01% | 5.00% | 2.15% |
| Q1 2025 | 4.05% | 2.12% | 2.09% | 5.04% | 2.25% |
| Q2 2025 | 4.18% | 2.11% | 2.23% | 5.23% | 2.34% |
| Q3 2025 | 4.42% | 2.15% | 2.45% | 5.40% | 2.71% |
| Q4 2025 | 4.54% | 2.12% | 2.58% | 5.56% | 2.77% |
| Q1 2026 | 4.46% | 2.04% | 2.56% | 5.49% | 2.64% |
| Q2 2026 | 4.62% | 2.03% | 2.73% | 5.67% | 2.80% |
Washington 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 Washington 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 Washington Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29227) · FFIEC NIC profile (RSSD 790271)