Woodsboro 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 0.08 percentage points, from 4.04% to 4.12%, the largest move among the key lines here. Woodsboro Bank ranks 8th of 27 Maryland banks on net interest margin, in the upper half at 4.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Woodsboro Bank sits 0.17 points higher, at 4.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 5.75% |
| Yield on securities | 2.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.67% |
| Cost of interest-bearing deposits | 1.39% |
| Cost of interest-bearing liabilities | 1.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.8M |
| Total interest expense | $996K |
| Interest expense on deposits | $996K |
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 | 4.14% | 0.53% | 3.44% | 4.83% | 2.26% |
| Q4 2023 | 4.27% | 0.63% | 3.44% | 4.98% | 2.27% |
| Q1 2024 | 4.32% | 0.72% | 3.39% | 5.05% | 2.27% |
| Q2 2024 | 4.47% | 0.82% | 3.41% | 5.21% | 2.26% |
| Q3 2024 | 4.62% | 0.88% | 3.48% | 5.38% | 2.27% |
| Q4 2024 | 4.64% | 0.72% | 3.71% | 5.44% | 2.42% |
| Q1 2025 | 4.69% | 0.66% | 3.84% | 5.51% | 2.43% |
| Q2 2025 | 4.75% | 0.72% | 3.84% | 5.55% | 2.39% |
| Q3 2025 | 4.89% | 0.77% | 3.93% | 5.70% | 2.58% |
| Q4 2025 | 4.95% | 0.70% | 4.07% | 5.76% | 2.70% |
| Q1 2026 | 4.88% | 0.65% | 4.04% | 5.66% | 2.82% |
| Q2 2026 | 4.97% | 0.67% | 4.12% | 5.75% | 2.93% |
Woodsboro 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 Woodsboro 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 Woodsboro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5873) · FFIEC NIC profile (RSSD 406022)