Bristol County 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 0.58 percentage points in Q2 2026 to 4.28%, the biggest move on this page. Within Massachusetts, Bristol County Savings Bank is 26th of 89 on net interest margin, 3.35% as of Q2 2026, above the middle of the field. Bristol County Savings Bank reported 3.35% on net interest margin for Q2 2026, 0.36 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.98% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 4.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $35.8M |
| Total interest expense | $12.7M |
| Interest expense on deposits | $12.2M |
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 |
|---|---|---|---|
| Q3 2023 | 4.16% | 1.77% | 2.44% |
| Q4 2023 | 4.18% | 2.03% | 2.31% |
| Q1 2024 | 4.26% | 2.42% | 2.32% |
| Q2 2024 | 4.54% | 2.52% | 2.58% |
| Q3 2024 | 4.61% | 2.57% | 2.62% |
| Q4 2024 | 4.83% | 2.17% | 2.97% |
| Q1 2025 | 4.68% | 1.99% | 2.97% |
| Q2 2025 | 4.92% | 1.95% | 3.22% |
| Q3 2025 | 5.13% | 1.98% | 3.41% |
| Q4 2025 | 4.93% | 2.01% | 3.30% |
| Q1 2026 | 4.86% | 1.86% | 3.27% |
| Q2 2026 | 4.98% | 1.90% | 3.35% |
Bristol County 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 Bristol County 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 Bristol County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23622) · FFIEC NIC profile (RSSD 13103)