Canton Co-Operative 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, Net interest margin rose 0.36 percentage points in Q2 2026 to 3.30%, the biggest move on this page. Within Massachusetts, Canton Co-Operative Bank is 28th of 89 on net interest margin, 3.30% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Canton Co-Operative Bank sits 0.64 points lower, at 3.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 5.64% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.98% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | 4.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.30% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $632K |
| Interest expense on deposits | $573K |
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 | 4.58% | 1.56% | 3.11% | 5.23% | 2.80% |
| Q4 2023 | 4.64% | 1.96% | 2.83% | 5.21% | 2.98% |
| Q1 2024 | 4.59% | 2.04% | 2.70% | 5.26% | 2.81% |
| Q2 2024 | 5.12% | 2.21% | 3.09% | 5.90% | 3.02% |
| Q3 2024 | 5.13% | 2.35% | 2.94% | 6.00% | 2.90% |
| Q4 2024 | 4.99% | 2.25% | 2.87% | 5.81% | 2.94% |
| Q1 2025 | 4.61% | 2.21% | 2.55% | 5.33% | 2.63% |
| Q2 2025 | 4.69% | 2.14% | 2.72% | 5.41% | 2.71% |
| Q3 2025 | 4.88% | 2.14% | 2.95% | 5.50% | 3.32% |
| Q4 2025 | 5.06% | 2.14% | 3.06% | 5.67% | 3.38% |
| Q1 2026 | 4.91% | 2.17% | 2.94% | 5.63% | 3.10% |
| Q2 2026 | 5.00% | 1.98% | 3.30% | 5.64% | 3.18% |
Canton Co-Operative 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 Canton Co-Operative 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 Canton Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26450) · FFIEC NIC profile (RSSD 379470)