Windsor Federal 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, Cost of borrowings edged up by 0.13 percentage points, from 3.56% to 3.69%, the largest move among the key lines here. Within Connecticut, Windsor Federal Bank is 8th of 27 on net interest margin, 3.62% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Windsor Federal Bank sits 0.33 points lower, at 3.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 5.37% |
| Yield on securities | 2.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.62% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.4M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.0M |
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 | 3.94% | 0.70% | 3.09% | 4.48% | 2.11% |
| Q4 2023 | 4.06% | 0.73% | 3.19% | 4.58% | 2.14% |
| Q1 2024 | 4.09% | 0.79% | 3.14% | 4.62% | 2.13% |
| Q2 2024 | 4.24% | 0.89% | 3.19% | 4.79% | 2.17% |
| Q3 2024 | 4.33% | 1.02% | 3.12% | 4.85% | 2.17% |
| Q4 2024 | 4.42% | 1.10% | 3.12% | 4.96% | 2.17% |
| Q1 2025 | 4.41% | 1.12% | 3.10% | 4.96% | 2.27% |
| Q2 2025 | 4.59% | 1.09% | 3.31% | 5.14% | 2.27% |
| Q3 2025 | 4.75% | 1.39% | 3.45% | 5.31% | 2.22% |
| Q4 2025 | 4.79% | 1.37% | 3.51% | 5.33% | 2.23% |
| Q1 2026 | 4.88% | 1.35% | 3.61% | 5.40% | 2.21% |
| Q2 2026 | 4.88% | 1.34% | 3.62% | 5.37% | 2.24% |
Windsor Federal 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 Windsor Federal 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 Windsor Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29632) · FFIEC NIC profile (RSSD 92676)