The Bank of Canton: 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.
Total interest expense climbed 9.7% in Q2 2026, from $2.6M to $2.8M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, The Bank of Canton is 20th of 89 on net interest margin, 3.53% as of Q2 2026, above the middle of the field. The Bank of Canton reported 3.53% on net interest margin for Q2 2026, 0.42 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 5.56% |
| Yield on securities | 3.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | 1.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 2.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.5M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.8M |
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 | 4.94% | 1.31% | 3.75% | 5.41% | 2.39% |
| Q4 2023 | 5.03% | 1.49% | 3.70% | 5.52% | 2.51% |
| Q1 2024 | 5.05% | 1.51% | 3.72% | 5.52% | 2.62% |
| Q2 2024 | 5.19% | 1.62% | 3.75% | 5.69% | 2.92% |
| Q3 2024 | 5.38% | 1.51% | 4.04% | 5.90% | 3.14% |
| Q4 2024 | 5.22% | 1.54% | 3.86% | 5.75% | 3.31% |
| Q1 2025 | 5.13% | 1.50% | 3.80% | 5.67% | 3.44% |
| Q2 2025 | 5.20% | 1.59% | 3.79% | 5.70% | 3.58% |
| Q3 2025 | 5.24% | 1.61% | 3.81% | 5.78% | 3.59% |
| Q4 2025 | 5.15% | 1.61% | 3.72% | 5.71% | 3.60% |
| Q1 2026 | 5.00% | 1.55% | 3.62% | 5.54% | 3.59% |
| Q2 2026 | 4.99% | 1.65% | 3.53% | 5.56% | 3.70% |
The Bank of Canton yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Canton, 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 The Bank of Canton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90175) · FFIEC NIC profile (RSSD 853804)