Waterford 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.
Net interest margin rose 0.22 percentage points from Q1 2026 to Q2 2026, ending at 3.38% against 3.16%. It was the largest change among the key lines on this page. Waterford Bank, N.A. ranks 106th of 156 Ohio banks on net interest margin, in the lower half at 3.38% (Q2 2026). Waterford Bank, N.A. reported 3.38% on net interest margin for Q2 2026, 0.33 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 6.19% |
| Yield on securities | 1.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 2.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.3M |
| Total interest expense | $8.7M |
| Interest expense on deposits | $8.4M |
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 | 4.86% | 2.68% | 2.44% | 5.75% | 1.80% |
| Q4 2023 | 4.99% | 2.84% | 2.46% | 5.86% | 1.80% |
| Q1 2024 | 5.07% | 3.00% | 2.37% | 5.93% | 1.80% |
| Q2 2024 | 5.21% | 3.01% | 2.50% | 6.06% | 1.87% |
| Q3 2024 | 5.51% | 2.99% | 2.78% | 6.44% | 1.84% |
| Q4 2024 | 5.32% | 2.65% | 2.91% | 6.20% | 1.87% |
| Q1 2025 | 5.11% | 2.48% | 2.87% | 5.91% | 1.87% |
| Q2 2025 | 5.32% | 2.48% | 3.06% | 6.15% | 1.87% |
| Q3 2025 | 5.45% | 2.51% | 3.18% | 6.28% | 1.90% |
| Q4 2025 | 5.42% | 2.41% | 3.25% | 6.26% | 1.85% |
| Q1 2026 | 5.20% | 2.25% | 3.16% | 5.96% | 1.87% |
| Q2 2026 | 5.39% | 2.24% | 3.38% | 6.19% | 1.89% |
Waterford 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 Waterford 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 Waterford Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58433) · FFIEC NIC profile (RSSD 3588424)