The Waterford Commercial and 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 4.49%. The Waterford Commercial and Savings Bank ranks 19th of 156 Ohio banks on net interest margin, in the upper half at 4.49% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Waterford Commercial and Savings Bank sits 0.60 points higher, at 4.49% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.94% |
| Yield on securities | 1.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 3.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $695K |
| Total interest expense | $175K |
| Interest expense on deposits | $175K |
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 | 3.94% | 0.97% | 3.05% | 5.74% | 1.28% |
| Q4 2023 | 4.21% | 1.08% | 3.22% | 6.00% | 1.29% |
| Q1 2024 | 4.25% | 1.29% | 3.08% | 5.99% | 1.26% |
| Q2 2024 | 4.40% | 1.27% | 3.25% | 6.19% | 1.28% |
| Q3 2024 | 4.57% | 1.50% | 3.29% | 6.39% | 1.34% |
| Q4 2024 | 4.86% | 1.30% | 3.72% | 6.60% | 1.41% |
| Q1 2025 | 4.90% | 1.17% | 3.85% | 6.42% | 1.38% |
| Q2 2025 | 5.10% | 1.10% | 4.10% | 6.61% | 1.62% |
| Q3 2025 | 5.35% | 1.12% | 4.33% | 6.91% | 1.60% |
| Q4 2025 | 5.43% | 1.23% | 4.32% | 6.84% | 1.61% |
| Q1 2026 | 5.58% | 1.32% | 4.39% | 6.75% | 1.69% |
| Q2 2026 | 5.75% | 1.38% | 4.49% | 6.94% | 1.80% |
The Waterford Commercial and 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 The Waterford Commercial and 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 The Waterford Commercial and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8397) · FFIEC NIC profile (RSSD 324229)