Bay State 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.
Compared with Q1 2026, Cost of borrowings rose 0.54 percentage points in Q2 2026 to 0.54%, the biggest move on this page. Bay State Savings Bank ranks 25th of 89 Massachusetts banks on net interest margin, in the upper half at 3.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bay State Savings Bank sits 0.56 points lower, at 3.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.14% |
| Yield on loans | 5.29% |
| Yield on securities | 4.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | 0.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 | 4.51% | 1.95% | 2.72% | 4.61% | 3.49% |
| Q4 2023 | 4.65% | 2.13% | 2.69% | 4.69% | 4.03% |
| Q1 2024 | 4.78% | 2.25% | 2.67% | 4.76% | 4.80% |
| Q2 2024 | 4.80% | 2.34% | 2.63% | 4.75% | 4.89% |
| Q3 2024 | 4.90% | 2.53% | 2.61% | 4.86% | 4.84% |
| Q4 2024 | 4.89% | 2.32% | 2.74% | 4.93% | 4.81% |
| Q1 2025 | 4.78% | 2.11% | 2.84% | 4.85% | 4.89% |
| Q2 2025 | 4.86% | 2.09% | 2.90% | 4.94% | 4.71% |
| Q3 2025 | 4.94% | 2.05% | 3.01% | 5.03% | 4.68% |
| Q4 2025 | 5.02% | 2.05% | 3.14% | 5.17% | 4.62% |
| Q1 2026 | 5.09% | 1.86% | 3.34% | 5.25% | 4.51% |
| Q2 2026 | 5.14% | 1.85% | 3.39% | 5.29% | 4.47% |
Bay State 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 Bay State 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 Bay State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90311) · FFIEC NIC profile (RSSD 963002)