Bank of Easton: 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.
Compared with Q1 2026, Cost of borrowings rose 0.36 percentage points in Q2 2026 to 4.54%, the biggest move on this page. Bank of Easton has the 8th lowest net interest margin of the 89 banks headquartered in Massachusetts, at 2.25% as of Q2 2026. Bank of Easton reported 2.25% on net interest margin for Q2 2026, 1.70 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.27% |
| Yield on loans | 5.06% |
| Yield on securities | 3.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 4.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.25% |
| Yield to cost spread | 1.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 3.89% | 1.96% | 2.09% | 4.37% | 2.54% |
| Q4 2023 | 4.01% | 2.11% | 2.07% | 4.56% | 2.63% |
| Q1 2024 | 4.15% | 2.27% | 2.03% | 4.68% | 2.72% |
| Q2 2024 | 4.21% | 2.47% | 1.94% | 4.79% | 2.75% |
| Q3 2024 | 4.27% | 2.66% | 1.83% | 4.82% | 2.83% |
| Q4 2024 | 4.22% | 2.69% | 1.74% | 4.82% | 2.82% |
| Q1 2025 | 4.18% | 2.51% | 1.88% | 4.79% | 2.88% |
| Q2 2025 | 4.26% | 2.37% | 2.01% | 4.90% | 2.90% |
| Q3 2025 | 4.39% | 2.33% | 2.20% | 5.00% | 3.12% |
| Q4 2025 | 4.29% | 2.25% | 2.21% | 5.00% | 3.15% |
| Q1 2026 | 4.19% | 2.15% | 2.20% | 4.95% | 3.18% |
| Q2 2026 | 4.27% | 2.20% | 2.25% | 5.06% | 3.23% |
Bank of Easton yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Easton, 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 Bank of Easton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26554) · FFIEC NIC profile (RSSD 956376)