Yakima Federal Savings and Loan Association: 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.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 1.8% between Q1 2026 and Q2 2026, to $7.4M. On net interest margin, Yakima Federal Savings and Loan Association is 1st from the bottom among 29 Washington banks, 2.27% (Q2 2026). Yakima Federal Savings and Loan Association reported 2.27% on net interest margin for Q2 2026, 1.44 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.86% |
| Yield on loans | 5.13% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.27% |
| Yield to cost spread | 1.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.7M |
| Total interest expense | $7.4M |
| Interest expense on deposits | $6.9M |
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 | 3.30% | 1.73% | 1.97% | 4.50% | 2.39% |
| Q4 2023 | 3.44% | 2.08% | 1.86% | 4.59% | 2.45% |
| Q1 2024 | 3.50% | 2.39% | 1.68% | 4.61% | 2.49% |
| Q2 2024 | 3.53% | 2.52% | 1.64% | 4.72% | 2.50% |
| Q3 2024 | 3.58% | 2.59% | 1.65% | 4.83% | 2.48% |
| Q4 2024 | 3.59% | 2.53% | 1.73% | 4.88% | 2.44% |
| Q1 2025 | 3.62% | 2.34% | 1.90% | 4.92% | 2.47% |
| Q2 2025 | 3.77% | 2.37% | 2.00% | 5.00% | 2.60% |
| Q3 2025 | 3.85% | 2.40% | 2.07% | 5.10% | 2.61% |
| Q4 2025 | 3.87% | 2.33% | 2.16% | 5.13% | 2.61% |
| Q1 2026 | 3.85% | 2.20% | 2.23% | 5.11% | 2.58% |
| Q2 2026 | 3.86% | 2.21% | 2.27% | 5.13% | 2.57% |
Yakima Federal Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Yakima Federal Savings and Loan Association, 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 Yakima Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28116) · FFIEC NIC profile (RSSD 809771)