Cambridge 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.
The biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged up 0.15 percentage points between Q1 2026 and Q2 2026, to 3.67%. Within Massachusetts, Cambridge Savings Bank is 58th of 89 on net interest margin, 2.79% as of Q2 2026, below the middle of the field. Cambridge Savings Bank reported 2.79% on net interest margin for Q2 2026, 0.92 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.47% |
| Cost of interest-bearing deposits | 2.80% |
| Cost of interest-bearing liabilities | 2.92% |
| Cost of borrowings | 3.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.79% |
| Yield to cost spread | 2.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $75.1M |
| Total interest expense | $38.0M |
| Interest expense on deposits | $31.6M |
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 | 5.03% | 2.70% | 2.51% |
| Q4 2023 | 5.12% | 2.88% | 2.44% |
| Q1 2024 | 5.19% | 3.01% | 2.39% |
| Q2 2024 | 5.28% | 3.15% | 2.32% |
| Q3 2024 | 5.37% | 3.27% | 2.31% |
| Q4 2024 | 5.21% | 2.98% | 2.45% |
| Q1 2025 | 5.18% | 2.67% | 2.70% |
| Q2 2025 | 5.16% | 2.65% | 2.70% |
| Q3 2025 | 5.27% | 2.69% | 2.79% |
| Q4 2025 | 5.23% | 2.61% | 2.83% |
| Q1 2026 | 5.07% | 2.47% | 2.80% |
| Q2 2026 | 5.06% | 2.47% | 2.79% |
Cambridge 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 Cambridge 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 Cambridge Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17870) · FFIEC NIC profile (RSSD 758703)