Brattleboro Savings & Loan Association: 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.
Yield on securities fell 0.55 percentage points from Q1 2026 to Q2 2026, ending at 3.94% against 4.50%. It was the largest change among the key lines on this page. Among 12 Vermont banks, Brattleboro Savings & Loan Association sits 3rd from the top on net interest margin, 4.14% as of Q2 2026. Brattleboro Savings & Loan Association reported 4.14% on net interest margin for Q2 2026, 0.19 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 5.64% |
| Yield on securities | 3.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.54% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.14% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $811K |
| Interest expense on deposits | $811K |
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 | 4.42% | 0.90% | 3.57% | 4.75% | 3.10% |
| Q4 2023 | 4.57% | 1.04% | 3.59% | 4.87% | 3.21% |
| Q1 2024 | 4.68% | 1.08% | 3.65% | 4.98% | 3.28% |
| Q2 2024 | 4.83% | 1.19% | 3.71% | 5.09% | 3.32% |
| Q3 2024 | 5.09% | 1.26% | 3.91% | 5.34% | 3.72% |
| Q4 2024 | 5.09% | 1.27% | 3.90% | 5.39% | 4.00% |
| Q1 2025 | 5.05% | 1.22% | 3.91% | 5.36% | 3.97% |
| Q2 2025 | 5.21% | 1.26% | 4.03% | 5.51% | 4.10% |
| Q3 2025 | 5.30% | 1.26% | 4.13% | 5.58% | 4.12% |
| Q4 2025 | 5.36% | 1.23% | 4.21% | 5.69% | 4.79% |
| Q1 2026 | 5.24% | 1.16% | 4.15% | 5.52% | 4.50% |
| Q2 2026 | 5.29% | 1.24% | 4.14% | 5.64% | 3.94% |
Brattleboro Savings & Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Brattleboro Savings & Loan Association, 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 Brattleboro Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28837) · FFIEC NIC profile (RSSD 580874)