Bankgloucester: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.20 percentage points to 3.81%. Bankgloucester ranks 12th of 89 Massachusetts banks on net interest margin, in the upper half at 3.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Bankgloucester sits 0.13 points lower, at 3.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 6.03% |
| Yield on securities | 2.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 3.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.3M |
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 | 5.04% | 2.10% | 3.07% | 5.33% | 1.88% |
| Q4 2023 | 5.35% | 2.19% | 3.29% | 5.66% | 1.91% |
| Q1 2024 | 4.98% | 2.28% | 2.81% | 5.28% | 1.80% |
| Q2 2024 | 5.10% | 2.37% | 2.88% | 5.39% | 1.89% |
| Q3 2024 | 5.21% | 2.44% | 2.96% | 5.51% | 1.86% |
| Q4 2024 | 5.27% | 2.36% | 3.08% | 5.60% | 1.89% |
| Q1 2025 | 5.19% | 2.17% | 3.15% | 5.49% | 1.96% |
| Q2 2025 | 5.42% | 2.10% | 3.43% | 5.72% | 2.23% |
| Q3 2025 | 5.55% | 2.08% | 3.59% | 5.98% | 2.24% |
| Q4 2025 | 5.56% | 2.02% | 3.66% | 5.91% | 2.11% |
| Q1 2026 | 5.50% | 1.96% | 3.61% | 5.81% | 2.26% |
| Q2 2026 | 5.68% | 1.96% | 3.81% | 6.03% | 2.37% |
Bankgloucester yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankgloucester, 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 Bankgloucester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26536) · FFIEC NIC profile (RSSD 331375)