Woodsfield 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.
Yield on securities rose 0.39 percentage points from Q1 2026 to Q2 2026, ending at 4.14% against 3.75%. It was the largest change among the key lines on this page. On net interest margin, Woodsfield Savings Bank ranks 12th highest among the 156 banks headquartered in Ohio, at 4.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Woodsfield Savings Bank sits 0.78 points higher, at 4.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.59% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.73% |
| Yield to cost spread | 4.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $329K |
| Interest expense on deposits | $329K |
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 | 4.51% | 1.03% | 3.57% |
| Q4 2023 | 4.63% | 1.17% | 3.55% |
| Q1 2024 | 4.82% | 1.58% | 3.33% |
| Q2 2024 | 4.90% | 1.76% | 3.24% |
| Q3 2024 | 5.17% | 1.82% | 3.51% |
| Q4 2024 | 5.11% | 1.82% | 3.45% |
| Q1 2025 | 5.31% | 1.64% | 3.79% |
| Q2 2025 | 5.53% | 1.51% | 4.09% |
| Q3 2025 | 5.60% | 1.40% | 4.33% |
| Q4 2025 | 5.75% | 1.26% | 4.58% |
| Q1 2026 | 5.73% | 1.24% | 4.58% |
| Q2 2026 | 5.84% | 1.20% | 4.73% |
Woodsfield 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 Woodsfield 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 Woodsfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32292) · FFIEC NIC profile (RSSD 97279)