Bangor 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.
The standout move of Q2 2026 was in Total interest expense: 9.7% higher than in Q1 2026, at $28.8M. Within Maine, Bangor Savings Bank is 19th of 22 on net interest margin, 2.89% as of Q2 2026, below the middle of the field. Bangor Savings Bank reported 2.89% on net interest margin for Q2 2026, 0.82 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.51% |
| Yield on loans | 5.04% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.89% |
| Yield to cost spread | 2.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $64.9M |
| Total interest expense | $28.8M |
| Interest expense on deposits | $20.0M |
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 | 3.64% | 1.73% | 1.98% | 4.45% | 1.78% |
| Q4 2023 | 3.74% | 1.84% | 1.98% | 4.52% | 1.86% |
| Q1 2024 | 3.81% | 1.92% | 1.93% | 4.56% | 1.98% |
| Q2 2024 | 3.95% | 1.97% | 2.02% | 4.67% | 2.18% |
| Q3 2024 | 4.11% | 2.00% | 2.14% | 4.83% | 2.23% |
| Q4 2024 | 4.06% | 1.87% | 2.22% | 4.80% | 2.12% |
| Q1 2025 | 4.04% | 1.79% | 2.27% | 4.77% | 2.09% |
| Q2 2025 | 4.15% | 1.84% | 2.37% | 4.90% | 2.07% |
| Q3 2025 | 4.27% | 1.77% | 2.54% | 5.02% | 2.06% |
| Q4 2025 | 4.34% | 1.66% | 2.74% | 5.06% | 2.29% |
| Q1 2026 | 4.39% | 1.57% | 2.86% | 4.98% | 2.67% |
| Q2 2026 | 4.51% | 1.64% | 2.89% | 5.04% | 3.13% |
Bangor 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 Bangor 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 Bangor Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18408) · FFIEC NIC profile (RSSD 419406)