Wells River 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, Net interest margin edged up by 0.07 percentage points, from 3.95% to 4.02%, the largest move among the key lines here. Wells River Savings Bank ranks 4th of 12 Vermont banks on net interest margin, in the upper half at 4.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Wells River Savings Bank reported 4.02% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.18% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | 3.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $741K |
| Interest expense on deposits | $696K |
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 |
|---|---|---|---|
| Q3 2023 | 4.47% | 0.81% | 3.72% |
| Q4 2023 | 4.60% | 1.02% | 3.67% |
| Q1 2024 | 4.65% | 1.16% | 3.57% |
| Q2 2024 | 4.83% | 1.37% | 3.56% |
| Q3 2024 | 4.84% | 1.33% | 3.62% |
| Q4 2024 | 4.92% | 1.18% | 3.83% |
| Q1 2025 | 4.81% | 1.07% | 3.82% |
| Q2 2025 | 4.91% | 1.43% | 3.59% |
| Q3 2025 | 5.04% | 1.26% | 3.88% |
| Q4 2025 | 5.10% | 1.22% | 3.99% |
| Q1 2026 | 5.09% | 1.23% | 3.95% |
| Q2 2026 | 5.18% | 1.24% | 4.02% |
Wells River 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 Wells River 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 Wells River Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14136) · FFIEC NIC profile (RSSD 303701)