Cape & Coast 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 3.06%. Within Massachusetts, Cape & Coast Bank is 41st of 89 on net interest margin, 3.06% as of Q2 2026, above the middle of the field. Cape & Coast Bank reported 3.06% on net interest margin for Q2 2026, 0.65 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.04% |
| Yield on loans | 5.18% |
| Yield on securities | 3.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 4.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.06% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.9M |
| Total interest expense | $7.9M |
| Interest expense on deposits | $6.9M |
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 | 4.37% | 2.08% | 2.43% | 4.56% | 2.33% |
| Q4 2023 | 4.46% | 2.42% | 2.20% | 4.66% | 2.33% |
| Q1 2024 | 4.59% | 2.70% | 2.05% | 4.80% | 2.33% |
| Q2 2024 | 4.78% | 2.72% | 2.20% | 4.95% | 2.33% |
| Q3 2024 | 4.87% | 2.72% | 2.31% | 5.05% | 2.34% |
| Q4 2024 | 4.85% | 2.65% | 2.36% | 5.03% | 2.71% |
| Q1 2025 | 4.86% | 2.44% | 2.57% | 5.02% | 2.93% |
| Q2 2025 | 4.83% | 2.33% | 2.63% | 4.97% | 3.22% |
| Q3 2025 | 5.09% | 2.26% | 2.97% | 5.26% | 3.21% |
| Q4 2025 | 5.00% | 2.20% | 2.95% | 5.15% | 3.27% |
| Q1 2026 | 4.87% | 2.12% | 2.88% | 5.00% | 3.21% |
| Q2 2026 | 5.04% | 2.11% | 3.06% | 5.18% | 3.36% |
Cape & Coast 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 & Coast 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 & Coast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26517) · FFIEC NIC profile (RSSD 119779)