Beacon Bank & Trust: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Beacon Bank & Trust reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.82% in Q3 2026, down 3.86 percentage points from 9.68% in Q3 2025. Across the 12 quarters shown it ranged from 5.67% (Q1 2026) to 9.68% (Q3 2025).
In Q3 2026, Net interest margin edged up by 0.11 percentage points, from 3.84% to 3.95%, the largest move among the key lines here. Within Massachusetts, Beacon Bank & Trust is 10th of 88 on net interest margin, 3.95% as of Q3 2026. Beacon Bank & Trust reported 3.95% on net interest margin for Q3 2026, 0.30 points above the 3.65% median for banks in the $10B-100B asset tier.
Asset yields
Yield on loans changed the most here, up 0.14 points to 6.13% in Q3 2026 from 5.99% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 6.13% |
| Yield on securities | 4.23% |
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Funding costs
Cost of borrowings moved most in this table, down 0.10 points: 3.90% in Q2 2026, 3.80% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.24% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $268.0M |
| Total interest expense | $96.7M |
| Interest expense on deposits | $91.6M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.88% | 2.69% | 3.16% | 6.23% | 2.19% |
| Q1 2024 | 5.96% | 2.80% | 3.13% | 6.27% | 2.22% |
| Q2 2024 | 5.91% | 2.86% | 3.02% | 6.24% | 2.23% |
| Q3 2024 | 6.06% | 2.90% | 3.12% | 6.37% | 2.45% |
| Q4 2024 | 5.94% | 2.69% | 3.21% | 6.26% | 2.57% |
| Q1 2025 | 5.78% | 2.51% | 3.24% | 6.11% | 2.76% |
| Q2 2025 | 5.85% | 2.43% | 3.38% | 6.18% | 2.78% |
| Q3 2025 | 9.68% | 3.86% | 5.75% | 10.12% | 6.07% |
| Q4 2025 | 5.93% | 2.07% | 3.86% | 6.26% | 4.02% |
| Q1 2026 | 5.67% | 1.98% | 3.78% | 5.96% | 4.07% |
| Q2 2026 | 5.72% | 2.01% | 3.84% | 5.99% | 4.23% |
| Q3 2026 | 5.82% | 2.02% | 3.95% | 6.13% | 4.23% |
Beacon Bank & Trust yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Beacon Bank & Trust profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 17798) · FFIEC NIC profile (RSSD 782306)