Wilmington Savings Fund Society, FSB: 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, Yield on securities edged up by 0.19 percentage points, from 2.44% to 2.63%, the largest move among the key lines here. Wilmington Savings Fund Society, FSB ranks 6th of 17 Delaware banks on net interest margin, in the upper half at 3.94% (Q2 2026). Wilmington Savings Fund Society, FSB reported 3.94% on net interest margin for Q2 2026, 0.34 points above the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 6.23% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.26% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 2.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $195.6M |
| Total interest expense | $60.5M |
| Interest expense on deposits | $60.0M |
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 | 5.66% | 1.50% | 4.21% | 6.97% | 2.35% |
| Q4 2023 | 5.81% | 1.74% | 4.12% | 7.07% | 2.44% |
| Q1 2024 | 5.71% | 1.88% | 3.91% | 6.98% | 2.35% |
| Q2 2024 | 5.82% | 1.98% | 3.91% | 7.04% | 2.42% |
| Q3 2024 | 5.85% | 2.07% | 3.89% | 7.10% | 2.37% |
| Q4 2024 | 5.65% | 1.87% | 3.91% | 6.84% | 2.37% |
| Q1 2025 | 5.48% | 1.65% | 3.90% | 6.58% | 2.41% |
| Q2 2025 | 5.47% | 1.63% | 3.93% | 6.59% | 2.40% |
| Q3 2025 | 5.54% | 1.61% | 4.00% | 6.71% | 2.40% |
| Q4 2025 | 5.31% | 1.48% | 3.93% | 6.46% | 2.41% |
| Q1 2026 | 5.09% | 1.30% | 3.86% | 6.19% | 2.44% |
| Q2 2026 | 5.15% | 1.26% | 3.94% | 6.23% | 2.63% |
Wilmington Savings Fund Society, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilmington Savings Fund Society, FSB, 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 Wilmington Savings Fund Society, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17838) · FFIEC NIC profile (RSSD 437914)