Bluestone 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.
In Q2 2026, Net interest margin edged up by 0.06 percentage points, from 2.34% to 2.40%, the largest move among the key lines here. Bluestone Bank ranks 80th of 89 Massachusetts banks on net interest margin, in the lower half at 2.40% (Q2 2026). Bluestone Bank reported 2.40% on net interest margin for Q2 2026, 1.31 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.63% |
| Yield on loans | 5.17% |
| Yield on securities | 2.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.43% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 4.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.40% |
| Yield to cost spread | 1.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.5M |
| Total interest expense | $9.0M |
| Interest expense on deposits | $7.0M |
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 | 4.23% | 2.07% | 2.31% | 4.81% | 2.53% |
| Q4 2023 | 4.35% | 2.31% | 2.23% | 4.94% | 2.54% |
| Q1 2024 | 4.49% | 2.51% | 2.17% | 5.05% | 2.53% |
| Q2 2024 | 4.59% | 2.66% | 2.14% | 5.18% | 2.54% |
| Q3 2024 | 4.71% | 2.68% | 2.16% | 5.34% | 2.55% |
| Q4 2024 | 4.65% | 2.83% | 2.03% | 5.26% | 2.57% |
| Q1 2025 | 4.58% | 2.67% | 2.12% | 5.17% | 2.63% |
| Q2 2025 | 4.79% | 2.60% | 2.41% | 5.34% | 2.66% |
| Q3 2025 | 4.87% | 2.53% | 2.53% | 5.44% | 2.67% |
| Q4 2025 | 4.86% | 2.50% | 2.55% | 5.40% | 2.70% |
| Q1 2026 | 4.61% | 2.44% | 2.34% | 5.11% | 2.73% |
| Q2 2026 | 4.63% | 2.43% | 2.40% | 5.17% | 2.74% |
Bluestone 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 Bluestone 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 Bluestone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90169) · FFIEC NIC profile (RSSD 699105)