Cape Ann 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.
In Q2 2026, Cost of borrowings edged up by 0.14 percentage points, from 3.83% to 3.97%, the largest move among the key lines here. Within Massachusetts, Cape Ann Savings Bank is 58th of 89 on net interest margin, 2.79% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Cape Ann Savings Bank sits 0.92 points lower, at 2.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.52% |
| Yield on loans | 5.05% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.79% |
| Yield to cost spread | 2.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.2M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.2M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.66% | 1.92% | 2.12% | 4.21% | 1.95% |
| Q4 2023 | 3.85% | 2.23% | 2.04% | 4.41% | 2.13% |
| Q1 2024 | 3.86% | 2.59% | 1.77% | 4.44% | 2.06% |
| Q2 2024 | 3.99% | 2.74% | 1.77% | 4.54% | 2.11% |
| Q3 2024 | 4.06% | 2.81% | 1.79% | 4.67% | 2.13% |
| Q4 2024 | 4.17% | 2.70% | 2.00% | 4.76% | 2.15% |
| Q1 2025 | 4.11% | 2.35% | 2.23% | 4.68% | 2.27% |
| Q2 2025 | 4.28% | 2.31% | 2.43% | 4.82% | 2.46% |
| Q3 2025 | 4.36% | 2.35% | 2.48% | 4.94% | 2.50% |
| Q4 2025 | 4.45% | 2.32% | 2.60% | 4.99% | 2.90% |
| Q1 2026 | 4.52% | 2.22% | 2.74% | 5.04% | 3.11% |
| Q2 2026 | 4.52% | 2.17% | 2.79% | 5.05% | 3.21% |
Cape Ann 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 Cape Ann 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 Cape Ann Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90203) · FFIEC NIC profile (RSSD 627108)